The National Capital Bank of Washington

Headquarters: Washington, Washington DC
Charter: Bank
Assets: $742.2M
Fed district: Richmond
Regulator: OCC
Holding company: National Capital Bancorp Inc.

17 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 8, 2026.

Overview

Total assets
Q2 2026, quarter end
FDIC call report data · Jun 30, 2026
Revenue
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 8, 2026

How these figures are measured

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	FDIC BankFind Suite (call report data) ASSET	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Revenue	Revenue (net interest + noninterest income) One quarter, as reported	FDIC BankFind Suite (call report data) NIMQ + NONIIQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Service-charge income	Service charges on deposit accounts One quarter, as reported	FDIC BankFind Suite (call report data) ISERCHGQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. 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

Details

Source: FDIC BankFind Suite (call report data)
Entity: The National Capital Bank of Washington (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

What stands out

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.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
The National Capital Bank of Washington: $35
The National Capital Bank of Washington: $35
U.S. median: no median
NSF / Returned Item
The National Capital Bank of Washington: $35
The National Capital Bank of Washington: $35
U.S. median: no median
Non-Network ATM
The National Capital Bank of Washington: $1.25
The National Capital Bank of Washington: $1.25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 8, 2026View sources

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.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Washington DC: Banks and credit unions headquartered in Washington DC that publish the fee.
Richmond district: Banks and credit unions headquartered in the Richmond Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income fell 2.9% from Q3 2025 to Q2 2026, to $67K.

Service-charge income, Q2 2026

$67K

$69KQ3 2025

$69KQ4 2025

$69KQ1 2026

$67KQ2 2026

Against the median

The National Capital Bank of WashingtonMedian

Sources and open questions

FDIC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

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.

Banks only
$719M to $762M in assets
Headquartered in 16 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
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.

Fee type

Peer pricing snapshot

The National Capital Bank of Washington does not publish a monthly maintenance fee in the index.

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.

The National Capital Bank…Peer (equal prices stack)Peer median

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.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for The National Capital Bank of Washington (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $67K
vs prior quarter: −$2K−2.9%; from Q1 2026
vs a year earlier: −$1K−1.5%; from Q2 2025
vs start of range: −$1K−1.5%; from Q3 2024

Details

Source: FDIC BankFind Suite (call report data)
Entity: The National Capital Bank of Washington (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

Table

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%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from The National Capital Bank of Washington’s own schedules, with a source for each figure.

Account Maintenance

Paper Statement Fee for eSuite Accounts$5
Paper statements (eChecking)$5
per month

Overdraft & NSF

NSF Paid Item Charge$35
Uncollected Paid Item Charge$35
NSF Returned Item Charge$35
Uncollected Returned Item Charge$35

ATM & Card

Fees for ATM Withdrawals at other ATMs$1.25
per transaction
NCB ATM$1.25
Debit Card Replacement$5
Expedited Debit Card Request$55

Wire Transfers

Domestic Outgoing Wire Transfer May not apply to Platinum Banking customers$25
Foreign Outgoing Wire Transfer (additional fees may apply)$60

Check Services

Cashier’s Check$10
Stop Payment$30
Check Copies (first three per month are FREE)$5

Digital & Electronic

Expedited Bill Payment convenience fee for checks processed for “Next Business Day” delivery$19.95

Cash & Deposit

Returned Deposited Item Fee$10

Account Services

Notary Services – FREE for NCB customersNo charge
Levies or Attachments$125
Written Verification of Account$15

Other Fees

Copy of Statement$5

Fee	Amount	Basis	Note
Account Maintenance
Paper Statement Fee for eSuite Accounts	$5	Not stated	None
Paper statements (eChecking)	$5	per month	None
Overdraft & NSF
NSF Paid Item Charge	$35	Not stated	None
Uncollected Paid Item Charge	$35	Not stated	None
NSF Returned Item Charge	$35	Not stated	None
Uncollected Returned Item Charge	$35	Not stated	None
ATM & Card
Fees for ATM Withdrawals at other ATMs	$1.25	per transaction	None
NCB ATM	$1.25	Not stated	None
Debit Card Replacement	$5	Not stated	None
Expedited Debit Card Request	$55	Not stated	None
Wire Transfers
Domestic Outgoing Wire Transfer May not apply to Platinum Banking customers	$25	Not stated	None
Foreign Outgoing Wire Transfer (additional fees may apply)	$60	Not stated	None
Check Services
Cashier’s Check	$10	Not stated	None
Stop Payment	$30	Not stated	None
Check Copies (first three per month are FREE)	$5	Not stated	None
Digital & Electronic
Expedited Bill Payment convenience fee for checks processed for “Next Business Day” delivery	$19.95	Not stated	None
Cash & Deposit
Returned Deposited Item Fee	$10	Not stated	None
Account Services
Notary Services – FREE for NCB customers	No charge	Not stated	None
Levies or Attachments	$125	Not stated	None
Written Verification of Account	$15	Not stated	None
Other Fees
Copy of Statement	$5	Not stated	None

Correct a fee source

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.

Fee change alerts

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