Compared with Washington DC
9 of 17
compared fees are above the median.
4 below, 4 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
15th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Washington DC median
of 17 compared; 4 below, 4 about the same
See the feesFee schedule read Oct 8, 2026
Call-report figures are for The National Capital Bank of Washington at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 1,412 banks with $300M to $1B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Washington DC median | Published fees above the Washington DC median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | The National Capital Bank of Washington's published fee schedule; Bank Fee Index medians | Current schedule | Oct 8, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 0.9% of revenue, below the 2.1% median of 1,412 banks with $300M to $1B in assets (15th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $67K in Q2 2026, 1.5% below the same quarter a year earlier ($68K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
9 of 17 compared published fees sit above the Washington DC median; 4 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Washington DC medians for fees published by banks and credit unions.
Non-Network ATM
Overdraft (OD)
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for Washington DC, the Richmond district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income fell 2.9% from Q3 2025 to Q2 2026, to $67K. Its share of revenue, 0.9%, is below the 2.1% median for banks with $300M to $1B in assets.
$67K
The National Capital Bank of WashingtonMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 1,412 banks with $300M to $1B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
The National Capital Bank of Washington · $742M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 16 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| The National Capital Bank of Washington(this institution) | Washington, DC | $742M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Albany Bank and Trust Company National Association | Chicago, IL | $722M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Overdraft not published |
| BAC Community Bank | Stockton, CA | $762M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bank of Luxemburg | Luxemburg, WI | $723M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Bank of Prairie du Sac | Prairie du Sac, WI | $745M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Chippewa Valley Bank | Hayward, WI | $736M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Clinton Savings Bank | Clinton, MA | $745M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Commerce Bank | Laredo, TX | $762M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Countybank | Greenwood, SC | $733M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Bank | Waverly, IA | $740M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First Midwest Bank of the Ozarks | Poplar Bluff, MO | $733M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First National Community Bank | Chatsworth, GA | $755M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Neighbor Bank, National Association | Toledo, IL | $736M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| FM Bank | Waseca, MN | $738M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| HomeBank | Palmyra, MO | $733M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Kleberg Bank, N.A. | Kingsville, TX | $737M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Lake Shore Bank | Dunkirk, NY | $736M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Lea County State Bank | Hobbs, NM | $738M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Manufacturers Bank & Trust Company | Forest City, IA | $738M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Northwestern Bank | Chippewa Falls, WI | $726M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Peoples Community Bank | Greenville, MO | $735M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| The Eastern Colorado Bank | Cheyenne Wells, CO | $721M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The First National Bank of Sonora | Sonora, TX | $722M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| The Malvern National Bank | Malvern, AR | $728M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Union State Bank | Arkansas City, KS | $719M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| United Valley Bank | Cavalier, ND | $752M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 19 publish this fee(monthly maintenance)
6 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $7.50 among 19 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.
Monthly maintenance fee in dollars, one mark per institution
The National Capital Bank of Washington does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.
Call reports for The National Capital Bank of Washington (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $67K | −$2K | −2.9% |
| Q1 2026 | $69K | $0 | 0.0% |
| Q4 2025 | $69K | $0 | 0.0% |
| Q3 2025 | $69K | +$1K | +1.5% |
| Q2 2025 | $68K | −$4K | −5.6% |
| Q1 2025 | $72K | +$1K | +1.4% |
| Q4 2024 | $71K | +$3K | +4.4% |
| Q3 2024 | $68K | −$2K | −2.9% |
Financial cohort: 1,433 banks with $300M to $1B in assets filing for Q2 2026; 1,412 reported a share above 0% and are counted, The National Capital Bank of Washington left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to The National Capital Bank of Washington by share.
Amounts from The National Capital Bank of Washington’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per transaction
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Paper Statement Fee for eSuite Accounts | $5Above the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
| Paper statements (eChecking) | $5Above the U.S. middle 50% ($2 to $4.99 nationally) | per month | None |
Overdraft & NSF | |||
| NSF Paid Item Charge | $35Above the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Uncollected Paid Item Charge | $35Above the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| NSF Returned Item Charge | $35Above the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Uncollected Returned Item Charge | $35Above the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| Fees for ATM Withdrawals at other ATMs | $1.25Inside the U.S. middle 50% ($1 to $2 nationally) | per transaction | None |
| NCB ATM | $1.25Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Debit Card Replacement | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Expedited Debit Card Request | $55Above the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Wire Transfers | |||
| Domestic Outgoing Wire Transfer May not apply to Platinum Banking customers | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Foreign Outgoing Wire Transfer (additional fees may apply) | $60Above the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashier’s Check | $10Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop Payment | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Check Copies (first three per month are FREE) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| Expedited Bill Payment convenience fee for checks processed for “Next Business Day” delivery | $19.95Above the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Cash & Deposit | |||
| Returned Deposited Item Fee | $10Inside the U.S. middle 50% ($8.81 to $25 nationally) | Not stated | None |
Account Services | |||
| Notary Services – FREE for NCB customers | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Levies or Attachments | $125Above the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Written Verification of Account | $15Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Other Fees | |||
| Copy of Statement | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Oct 8, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where The National Capital Bank of Washington operates, and what regulators and customers have on file.
Branch footprint
4 offices in 3 states, $659.2M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 4 | $659.2M |
Washington-Arlington-Alexandria, DC-VA-MD-WV
0.2% of bank deposits, #34 of 71, up 0.1 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Capital One, National Association | 21.5% |
| Bank of America, National Association | 14.1% |
| Truist Bank | 13.2% |
| Wells Fargo Bank, National Association | 11.7% |
| PNC Bank, National Association | 5.6% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Washington-Arlington-Alexandria, DC-VA-MD-WV, The National Capital Bank of Washington holds 0.2% of bank deposits, #34 of 71, with 4 offices.
900 offices of 50 institutions shown.
Showing 900 of 1,503 offices: the largest institutions' offices, with banks and credit unions in proportion.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
9 of 71 institutions shown. $301.4B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 0.2% share, 4 offices, #34 of 71
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
376 offices of 131 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
1 past action
Past
OCC. Ended December 6, 2017
Allowance for Losses (ALLL / ACL); Asset Quality; Audit; Board / Management Oversight; Capital; Compensation; Concentration Risk Management; Credit/Collateral Exceptions; External Audit; Insider Issues; Internal Audit; Lending Issues; Loan Review; Other Lending Deficiencies; Problem Loan Identification; Strategic Planning
Source: public enforcement action lists from the OCC and Federal Reserve, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
We check once a day and send one email covering every change.