Major Rating Factors:
A current level of 11.9 percent of nonperforming loans to core capital combined with 5.9 percent from a year earlier contributes to the Fair asset quality (4.4). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 2.0%, coupled with a return on assets of 1.5 has resulted in Excellent (7.9) profitability. Excellent current capitalization (7.5 on a scale of 0 to 10) based on a risk-based capital ratio of 12.9 and a capital leverage ratio of 9.3.
Asset Mix:
Comm re (27%), comm loans (18%), home mtgs (14%), cash (9%), securities (7%), consumer loans (4%), home eq lns (2%), other (20%)
States with Branches:
DC, MD, VA
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Capital Bancorp, Inc.
Investment Rating
Address
2275 Research Boulevard
Rockville, MD 20850
Rockville, MD 20850
Phone Number
(301) 468-8848
Year Founded
1999
FDIC Number
Website
Largest Affiliates
No affiliate information available.