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Overview / Commentary
One Church Street
Rockville, MD 20850

Capital Bank, National Association (MD) is headquartered in Rockville and is the 16st largest bank in the state of Maryland. It is also the 1,337th largest bank in the nation. It was established in 1999 and as of March of 2014, it had grown to 128 employees at 4 locations. Capital Bank, National Association (MD)'s money market rates are 70% higher than the national average, and it has a B+ health rating.

Reviews (2)

Capital Bank NA. The Best Bank Ever For Small Business!

I totally recommended. The customer service is excelent. If you are starting or have your small business and need a loan or credit line for your business stop by Capital Bank.

One Church St., Ste. 100
Rockville, MD 20850

Otto Gonzalez is amazing. He  is always there ready to help you and assist you at any time.


Cody Encarnacion


Turbo Green Services and Solutions LLC



Capital Bank NA : Worse And Rude Customer Service Ever Existed.

I am very frustrated with the way this bank deal with its customer, I used to have a Public Saving Secure Card, and Capital Bank Took over them , but I didn't want to go through with them , I just want to close that credit card because they dont offer any other line of credit card which is not secure , and their annual Card Fee is a very pricey in comparison with real credit card companies, so I decide to close it , and trust me that wasn't the smothest thing I have to do with their customer service, they don't care about their customers at all , reckless people , I am very frsutrated.

I am not complaining to get people sympathize with me , I just want to voice my opinion and rate them as worse service ever existed , it wasn't a pleasant experience.


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Capital Bank, National Association (MD) had $8.04 million in non-current loans and owned real-estate with $48.32 million in equity and loan loss allowances on hand to cover it. This gives Capital Bank, National Association (MD) a Texas Ratio of 16.63% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Capital Bank, National Association (MD) decreased slightly from 21.57% as of March 31, 2013 to 16.63% as of March 31, 2014, resulting in a positive change of 22.91%.This indicates that the balance sheet and financial strength for Capital Bank, National Association (MD) has improved slightly in recent periods.

Deposit Growth


In the past year, Capital Bank, National Association (MD) has increased its total deposits by $71.32 million, resulting in 21.37% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Capital Bank, National Association (MD) has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Capital Bank, National Association (MD) has $505.89 million in assets with $48.32 million in equity, resulting in a capitalization level of 9.55%, which is above average.

Institution Statistics

FDIC Certificate #35278
Year Established1999
Primary RegulatorOCC
Assets and Liabilities
Assets$505.89 million
Loans$433.20 million
Deposits$405.05 million
Equity Capital$43.35 million
Loan Loss Allowance$4.97 million
Unbacked Noncurrent Loans$7.86 million
Real Estate Owned$174,000
Historic Data - March 2013
Assets$441.78 million
Equity Capital$36.48 million
Loan Loss Allowance$4.08 million
Unbacked Noncurrent Loans$7.86 million
Real Estate Owned$252,000
Profit Margin - Quarterly
Net Interest Margin5.39%
Return on Assets1.06%
Return on Equity12.3%
Interest Income$7.17 million

Always verify rates and promotions with the bank or credit union. We are not Capital Bank, National Association (MD), we are a rate comparison website and can not provide official rates or promotions.

Capital Bank, National Association (MD) Savings Account Rates

0.15%$100-Safe Harbor Savings Account
0.15%$100-IRA Savings Account
0.15%$100-HSA Checking Account
0.15%$100-Roth IRA Savings Account
0.15%$100-Educational IRA Savings Account

Capital Bank, National Association (MD) Money Market Rates

0.75%$500k-Money Market Accounts

Capital Bank, National Association (MD) Checking Account Rates

0.20%$250k-Non-Profit Checking Accout
0.15%$250k-Interest Checking Account

Capital Bank, National Association (MD) CD Rates

1.10%$500-60 Month CD
0.95%$500-48 Month CD
0.65%$500-36 Month CD
0.55%$500-24 Month CD
0.40%$500-12 Month CD
0.25%$5k-10 Month Ready Access CD
0.12%$500-6 Month CD
0.05%$5k-30 Day CD
0.05%$500-90 Day CD

Capital Bank, National Association (MD) IRA Rates

1.10%$1k-60 Month IRA Certificate
1.10%$1k-72 Month IRA Certificate
0.95%$1k-48 Month IRA Certificate
0.65%$1k-36 Month IRA Certificate
0.55%$1k-24 Month IRA Certificate
0.40%$1k-12 Month IRA Certificate

Capital Bank, National Association (MD) Locations
Eye Street Branch1776 I Street, N.W.Washington, DC 20006
Executive Boulevard Branch6000 Executive Blvd, #101North Bethesda, MD 20852
Pisgah Community Bank Branch890 Hendersonville RoadAsheville, NC 28803
Capital Bank, National AssociationOne Church StreetRockville, MD 20850