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National Capital Bancorp, Inc. reports developments as the bank holding company for The National Capital Bank of Washington, a community banking institution serving individuals, families, businesses and the greater Washington, D.C. market. Company updates primarily cover quarterly earnings, cash dividends, net interest income, net interest margin, loan and deposit balances, credit-loss provisions, non-performing loans, liquidity and secured borrowing capacity.
Recurring announcements also include capital actions such as share repurchase authorization, completed stock-split adjustments, and governance or board leadership changes. The company’s news flow reflects a banking model centered on deposit-funded loan growth, core deposits, credit-quality monitoring and community-bank relationship activity.
National Capital Bancorp (OTC: NACB) reported second-quarter 2026 net income of $1.624 million, or $1.41 per share, down from $1.914 million, or $1.66 per share, a year earlier. For the six months ended June 30, 2026, net income was $2.677 million versus $3.587 million in 2025, with lower earnings primarily tied to higher credit-loss provisions and merger-related expenses.
Total assets rose year over year to $742.9 million, deposits increased to $656.0 million, while loans declined to $503.9 million, partly due to construction and residential loan payoffs and lower line utilization. Net interest margin improved sequentially to 3.62%. Non-performing loans were 2.32% of total loans, with $3.6 million of partial charge-offs recorded. Shareholders’ equity increased to $70.2 million, and book value reached $60.89 per share.
The board declared a quarterly cash dividend of $0.26 per share, payable August 28, 2026, to shareholders of record on August 14, 2026. The company is working toward closing its previously announced merger with ODNB Financial in fourth-quarter 2026, subject to regulatory and shareholder approvals.
ODNB Financial and National Capital Bancorp (OTC:NACB) agreed to a merger of equals, forming a Washington, D.C.–headquartered community bank holding company with about $2.4 billion in assets and 10 branches.
The combined company expects >50% EPS accretion in 2027 and an exchange listing under ticker NACB.
National Capital Bancorp (OTCID:NACB) reported net income of $1.053M ($0.92/share) for Q1 2026 versus $1.673M ($1.46) in Q1 2025. Total assets were $735.346M, loans $530.197M, and deposits $650.663M. Board declared a $0.26 quarterly dividend payable May 29, 2026. The company approved a $900,000 share repurchase program (expiring Feb 28, 2027).
Q1 results were affected by higher provision for credit losses and $3.6M of partial charge-offs, while shareholders' equity rose to $68.534M.
National Capital Bancorp (OTCID:NACB) announced a share repurchase program authorizing up to $900,000 of purchases, not to exceed 18,000 shares (approximately 1.5% of outstanding shares), expiring February 28, 2027. Repurchases may occur in the open market or via private transactions at management's discretion.
The program does not obligate the company to buy any shares and may be suspended, modified or terminated at any time; timing and amounts will depend on market conditions and business considerations.
National Capital Bancorp (OTC Pink: NACB) announced on January 28, 2026 the retirement of longtime director Kathryn H. Didden, who joined the board in 2008 and served on every standing committee. The board appointed Damian G. Didden as her successor, continuing a multi‑generational family role tied to the bank's 136‑year history.
The change preserves family continuity at National Capital Bank and maintains institutional links to former chairman George A. Didden III.
National Capital Bancorp (OTCID:NACB) reported net income of $1.659M for Q4 2025 and $7.033M for full-year 2025, with EPS of $1.44 (Q4) and $6.12 (FY). Total assets were $763.75M, loans $541.88M, and deposits $678.19M at 12/31/2025.
The board declared a quarterly cash dividend of $0.21 per share payable 2/26/2026; a share repurchase program up to $600,000 remains authorized through 2/28/2026 with no repurchases in Q4. Non-performing loans rose to 2.55%; allowance for credit losses was 1.21%.
National Capital Bancorp (OTCID:NACB) reported Q3 2025 net income $1.787M ($1.55/sh) and nine-month net income $5.374M ($4.67/sh) versus $4.416M a year earlier. Total assets were $727.154M on September 30, 2025, with total loans of $537.753M and total deposits of $643.444M.
The Company reported a net interest margin of 3.60% (Q3 2025), up from 3.27% year-over-year but down from 3.68% in Q2 2025. Nonperforming loans rose to 1.27% of loans, including three nonaccrual loans tied to one borrower and $411,000 partial charge-offs. The Board declared a $0.21 per-share quarterly dividend payable November 26, 2025, and maintains a share repurchase program up to $600,000 (no repurchases in Q3).
National Capital Bancorp (OTCID:NACB) reported strong Q2 2025 financial results with net income of $1.914 million ($1.66 per share), up from $1.52 million ($1.32 per share) in Q2 2024. The company's performance was driven by higher net interest income and margin expansion to 3.68%.
Total assets stood at $702.6 million, with loans at $509.8 million and deposits at $611.8 million. The bank declared a quarterly cash dividend of $0.21 per share, payable August 29, 2025. Additionally, a new share repurchase program of up to $600,000 was approved in February 2025, though no shares were repurchased during Q2.
The company's return on average assets and equity for H1 2025 were 1.04% and 11.78% respectively, while total shareholders' equity increased to $63.3 million from $55.2 million year-over-year.
National Capital Bancorp reported strong Q1 2025 performance with net income of $1,673,000 ($1.46 per share), up from $1,170,000 ($1.02 per share) in Q1 2024. The bank's total assets reached $716.8 million, with total loans at $521.1 million and deposits at $619.6 million.
Key highlights include:
- Net interest margin improved to 3.65% in Q1 2025, up from 3.20% in Q1 2024
- Total shareholders' equity increased to $61.3 million
- Return on average assets: 0.97%
- Return on average equity: 11.21%
The bank declared a cash dividend of $0.21 per share and approved a new $600,000 share repurchase program. While non-performing loans increased slightly to 0.80%, the bank maintains a cautious approach amid economic uncertainties, particularly monitoring office space commercial real estate and government contracting portfolios.