National Capital Bank

What National Capital Bank does

National Capital Bank (NCB), founded in 1889 and headquartered at 316 Pennsylvania Avenue SE on Capitol Hill in Washington, D.C., is the oldest full-service community bank in the District, operating through four branches across D.C., Arlington (VA), and Bethesda (MD). The bank serves a diversified base of small-to-medium businesses, individual consumers, government contractors, real estate developers, nonprofits, and high-net-worth clients in the Greater Washington metropolitan area through two primary lines: Business Banking (commercial loans, construction finance, equipment leasing, SBA 7(a) and 504 loans, and treasury management services) and Personal Banking (checking, savings, mortgages, home equity, and credit cards). Wealth management is delivered through the National Capital Financial Group sub-brand in partnership with Cetera Advisor Networks.

The bank's technology stack centers on a community-banking core platform with integrated consumer and business eBanking, mobile apps (NCB Consumer and NCB Business) supporting mobile deposit, Zelle P2P payments, Positive Pay fraud detection, and treasury management. Distribution is augmented through channel partnerships: TCM Bank issues NCB-branded credit cards, Hartland provides merchant processing and payroll, IntraFi Network Deposits offers multi-million-dollar FDIC insurance, and Apple Pay, Google Pay, and Samsung Pay extend wallet reach. No proprietary AI/ML capabilities are evident; financial management tools rely on the third-party MX platform.

NCB generates revenue primarily through net interest income (spread between loans and deposits), supplemented by treasury management fees, credit card interchange, wealth management advisory commissions (via Cetera), and traditional service charges. Account pricing is tiered across eChecking, Silver (55+), Platinum ($15K+ relationship), Commercial analysis-based, and Small Business subscription tiers, with SBA lending offering multi-year contracts. As of Q1 2026, the bank held $735.3 million in total assets and reported $1.05 million in net income (down 37% year-over-year), with non-performing loans at 2.24% of total loans. National Capital Bancorp announced a $97.8 million merger of equals with ODNB Financial Corporation in June 2026 (expected close Q4 2026), projecting a combined $2.4 billion-asset, 10-branch entity across D.C., Maryland, Pennsylvania, Florida, and Virginia, with planned Nasdaq/NYSE listing under ticker NACB.

Name

National Capital Bank

Legal name

National Capital Bancorp, Inc.

Website

https://nationalcapitalbank.bank

Company type

Private

Founded year

1889

Operating status

Operating

Headcount range

51–100 employees

Short description

National Capital Bank is a 137-year-old community bank headquartered in Washington, D.C., offering business and personal banking, SBA lending, treasury management, mortgages, and wealth management to SMBs, consumers, and government contractors across the Greater Washington metropolitan area through four branches and digital channels.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (522110), Commercial Banking (52211), Depository Credit Intermediation (5221)

SIC

National Commercial Banks (6021), State Commercial Banks (6022), Commercial Banks, Nec (6029)

akta.pro primary industry

Real Estate (Commercial Property, REITs) (FSABACAH)

akta.pro secondary industry

Private Banking Lending (Securities-Backed, Real Estate, Structured Credit) (FSABADAE)

Keywords

• Community banking services
• Commercial real estate lending
• Personal banking products
• Treasury management services
• Wealth management advisory

Headquarters

HQ city

Washington

HQ country

United States

HQ region

North America

Offices4 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Infrastructure, Marketing or Sales

Revenue model

1. Net Interest Income: Primary revenue driver from spread between interest earned on loans (commercial real estate, construction, SBA, residential mortgages, home equity) and interest paid on deposits (checking, savings, money market, CDs). Core banking margin business.
2. Treasury Management Fees: Fee income from treasury management services including information services, deposit services, disbursement services, and cash management. Includes ACH origination, wire transfers, positive pay, lockbox, and remote deposit capture services.
3. Credit Card Income: Revenue from credit card programs offered in partnership with TCM Bank for business and consumer accounts, including interchange fees and annual/specialty card programs.
4. Wealth Management Revenue: Fee and commission income from investment advisory and securities services through Cetera Advisor Networks LLC, offered via National Capital Financial Group division.
5. Service Charges and Fees: Account maintenance fees, ATM fees, wire transfer fees, overdraft fees, and other traditional banking service charges across personal and business accounts.

Pricing tiers

Go-to-market motion3 records

Distribution channels6 records

Marketing channels6 records

Core offering

National Capital Bank (NCB) is a Washington, D.C.-based community bank founded in 1889 that provides personal and commercial banking products, including deposit accounts (checking, savings, money market, CDs), consumer and commercial loans (residential mortgages, home equity lines, commercial real estate, construction, equipment leasing, SBA 7(a)/504), treasury management services, and wealth management/advisory services through its National Capital Financial Group division.

Product overview

National Capital Bank is a community bank offering a comprehensive suite of banking products and services through a unified multi-channel platform. The portfolio consists of two primary business lines: Business Banking (including Commercial Financing Solutions, Construction Finance, Equipment Leasing, SBA Loans, and Treasury Management Services) and Personal Banking (including Checking, Savings, Mortgage, and Wealth Management). Treasury Management Services operates as an integrated platform sub-brand encompassing Information Services, Deposit Services, Disbursement Services, and Cash Management Services. Consumer and business products share common infrastructure including Mobile Banking, eBanking, Zelle payments, Visa Debit/Credit Cards, and Positive Pay fraud protection. Wealth management services are delivered through the National Capital Financial Group sub-brand in partnership with Cetera Advisor Networks.

Differentiator

Problem solved

Functional benefit

Brands

• National Capital Financial Group: Wealth management division of National Capital Bank offering financial planning and investment strategy services.

Products and services

• eChecking A fully digital personal checking account designed for customers who prefer mobile and online banking, with no monthly maintenance fee.
• Personal Checking Standard personal checking account for everyday banking needs, with monthly maintenance fees waived under common conditions.
• Interest Checking Interest-bearing personal checking account that pays interest on collected balances.
• Next Gen Checking Personal checking account targeted at teens and young adults to help them begin their banking relationship.
• Silver Checking Personal checking account designed for customers aged 55 and over.
• Platinum Banking Premium relationship banking package combining enhanced checking with additional banking benefits for high-balance personal customers.
• Personal Savings Standard personal savings account for individuals to hold funds and earn interest.
• Capital Kid's Club Savings Savings account designed for children and youth, with educational and custodial features.
• Premium Money Market (Personal) Tiered personal money market account paying higher interest rates at higher balance tiers.
• Personal Certificates of Deposit Fixed-term personal CDs offered across multiple maturity terms with locked-in interest rates.
• NCB Visa Debit Card Visa debit card issued to NCB personal deposit account customers for point-of-sale and ATM transactions, with Apple Pay, Google Pay, and Samsung Pay support.
• Residential Mortgages First-lien mortgage loans for owner-occupied residential properties in the Washington, D.C. metro area, originated and serviced by the bank's mortgage lending team.
• Home Equity Lines of Credit Revolving home equity lines of credit secured by the borrower's primary residence for personal borrowing needs.
• National Capital Financial Group (Wealth Management) Wealth management and investment advisory division providing financial planning, retirement, and investment services through Cetera Advisor Networks, staffed by CERTIFIED FINANCIAL PLANNER™ professionals.
• Commercial Checking Business checking account for commercial customers with higher transaction volumes and treasury management needs.
• Small Business Checking Small business checking account targeted at lower-volume business customers.
• Business Savings Business savings account for commercial customers to hold reserves and earn interest.
• Premium Money Market (Business) Tiered business money market account with higher rates at higher collected balance tiers.
• Business Certificates of Deposit Fixed-term business CDs offered across multiple maturity terms for commercial deposit customers.
• Commercial Real Estate Loans Loans secured by commercial real estate, with a particular focus on multifamily housing in the Washington, D.C. market.
• Commercial and Industrial Loans Working capital, term, and line-of-credit loans for operating businesses across industries.
• Construction Finance Construction and development lending for residential and commercial projects, including investor-owned construction and small contractor financing.
• Equipment Leasing Equipment financing and leasing solutions for businesses acquiring capital equipment.
• SBA 7(a) Loans U.S. Small Business Administration 7(a) loans for small businesses, supporting working capital, refinancing, and growth.
• SBA 504 Loans U.S. Small Business Administration 504 loans for owner-occupied commercial real estate and equipment financing.
• Treasury Management Services End-to-end business cash management platform combining business eBanking, mobile banking, Positive Pay fraud protection, ACH, remote deposit capture, lockbox, merchant card processing, online wire transfers, and zero balance account functionality for commercial customers.

Quantifiable outcome

• 53% earnings-per-share accretion by 2027 from merger
• +3 more outcomes

Named customers10 records

Segments7 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration12 records

Feature4 records

Partnerships

Seven partnerships are on record, tiered core and supporting.

• Old Dominion National Bank (ODNB Financial Corporation)coreStrategic or Co-development Partner · 15 June 2026Merger of equals creating a $2.4 billion-asset community bank. ODNB surviving as holding company while adopting NACB name. The uniquely structured deal preserves National Capital's 137-year charter. Old Dominion shareholders receive approximately 65-68% of combined entity. Deal expected Q4 2026 with Mark Merrill (ODNB CEO) leading merged organization.
• HartlandcoreTechnology or IntegrationMerchant card processing partner providing point-of-sale systems, payment processing, and payroll services to NCB business customers. Hartland enables businesses to accept credit cards, gift cards, mobile payments, and provides HR/payroll solutions.
• TCM Bank, N.A.coreChannel Partner/ Reseller/ DistributorTCM Bank, a subsidiary of ICBA (Independent Community Bankers of America), issues credit cards under NCB branding for business (including nonprofit and corporate), nonprofit organizations, and individual consumers. Cards include rewards programs, chip security, and fraud monitoring.
• Cetera Advisor Networks LLCcoreChannel Partner/ Reseller/ DistributorFINRA/SIPC member broker-dealer providing securities and advisory services through National Capital Financial Group. Registered representatives offer investment advisory, financial planning, and securities products at NCB's Capitol Hill location.
• IntraFi Network LLCsupportingTechnology or IntegrationIntraFi Network Deposits (formerly ICS/CDARS) enables NCB to offer multi-million dollar FDIC insurance coverage for large deposits through money market or CD accounts, providing protection beyond standard $250,000 limits.
• National Links TrustsupportingStrategic or Co-development PartnerNonprofit partnership supporting public golf facility preservation in Washington D.C. NCB provides banking services and community support for National Links Trust's mission.
• Capitol Hill Community FoundationsupportingStrategic or Co-development PartnerNCB has been integral banking partner for the Capitol Hill Community Foundation since its inception over three decades ago, providing financial services and community support.

Scale indicators16 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• FVCBankcorp: Fairfax, VA-based community bank serving Northern Virginia's SMB and commercial clients. Closely comparable geographic focus (Arlington/Fairfax corridor) and commercial banking emphasis; subsequently acquired by Eagle Bancorp, showing ongoing consolidation pressure in NCB's market.
• Old Dominion National Bank: Tysons, VA-based community bank and National Capital Bank's announced merger of equals partner. Operates commercial and personal banking across Northern Virginia; combining creates the $2.4B-asset peer benchmark against which NCB will be measured going forward.
• Burke & Herbert Financial Services Corp: Alexandria, VA-based community bank with deep Northern Virginia roots and similar personal/business banking focus. Comparable in scale and customer profile; recent NYSE listing provides a recent public-market benchmark relevant to NCB's planned NACB listing.
• Atlantic Union Bankshares: Richmond, VA-headquartered regional bank with significant D.C. metro commercial banking presence. Comparable on commercial lending, treasury management, and wealth services; materially larger, illustrating the scale gap NCB's merger aims to close.
• Eagle Bancorp: Bethesda, MD-based community bank serving the greater Washington D.C. metro with commercial lending, treasury management, and wealth services. Closest geographic and product-market overlap with NCB; recently merged with Sandy Spring Bancorp, illustrating the regional consolidation trend NCB itself is following.
• Capital Bancorp: Rockville, MD-based community bank focused on commercial and small-business lending in the D.C. metro. Direct comparable on customer mix (SMBs, professionals, government contractors) and product offering.
• Sandy Spring Bancorp: Olney, MD-based community bank holding company with comparable commercial, consumer, and wealth management lines across the DC-Maryland corridor. Direct comparable on scale (~combined entity size after merging with Eagle), business mix, and Mid-Atlantic footprint.

Regional players

• WesBanco: Wheeling, WV-based regional bank with Mid-Atlantic commercial and retail banking operations. Comparable on community-bank business model and product breadth, though footprint skews West Virginia/Ohio/Pennsylvania rather than DC/Virginia.

Broad incumbents

• Bank of America: National megabank with extensive D.C. metro consumer and small business presence. Competes for the same deposit and SMB customers NCB serves, but with vastly greater scale, technology investment, and product breadth — defining the incumbent threat to NCB's niche.
• Truist Financial Corporation: Charlotte, NC-based regional megabank with strong Washington D.C. and Mid-Atlantic presence in consumer, small business, and commercial banking. Comparable product breadth across all NCB segments, but at a scale NCB cannot match without inorganic moves.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/NationalCapitalBank
• LinkedInlinkedin.com/company/nationalcapitalbank
• Instagraminstagram.com/nationalcapitalbank

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about National Capital Bank