National Capital Bancorp, Inc. (NACB)

National Capital Bancorp Balance Sheet

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Equivalents	81.25	44.93	43.73	36.95	138.61
Investment Securities	115.24	81.28	86.05	38.04	41.19
Trading Asset Securities	-	0.28	0.18	-	0.11
Mortgage-Backed Securities	-	43.13	48.61	119.66	138.02
Total Investments	115.24	124.69	134.84	157.69	179.32
Gross Loans	541.88	520.2	497.69	425.56	397.49
Allowance for Loan Losses	-6.58	-6.13	-5.45	-5.07	-5.96
Other Adjustments to Gross Loans	-	-1.05	-0.71	-0.41	-1.04
Net Loans	535.3	513.03	491.53	420.08	390.49
Property, Plant & Equipment	6.4	6.54	6.94	7.55	8.2
Loans Held for Sale	-	-	0.79	-	-
Accrued Interest Receivable	-	2.45	2.42	2.02	2.14
Long-Term Deferred Tax Assets	-	5.15	4.77	5.08	1.73
Other Long-Term Assets	25.56	17.56	18.03	14.78	14.21
Total Assets	763.75	714.34	703.05	644.16	734.71
Interest Bearing Deposits	678.19	381.86	361.41	351.37	374.23
Institutional Deposits	-	73.59	53.88	12.34	14.36
Non-Interest Bearing Deposits	-	172.76	165.36	208.04	268.53
Total Deposits	678.19	628.21	580.65	571.75	657.12
Short-Term Borrowings	-	9.28	52.18	7.27	6.43
Current Portion of Leases	-	0.13	-	-	0.13
Accrued Interest Payable	-	0.24	0.22	0.09	0.07
Other Current Liabilities	-	0.02	-	-	-
Long-Term Debt	13.84	13.79	13.73	13.68	13.62
Long-Term Leases	-	0.11	0.28	0.4	0.48
Other Long-Term Liabilities	4.06	3.36	2.61	2.63	2
Total Liabilities	696.09	655.13	649.68	595.83	679.85
Common Stock	67.66	0.01	0.01	0	0
Additional Paid-In Capital	-	1.66	1.57	1.49	1.39
Retained Earnings	-	66.95	61.51	58.19	54.29
Comprehensive Income & Other	-	-9.41	-9.72	-11.35	-0.82
Shareholders' Equity	67.66	59.21	53.37	48.33	54.85
Total Liabilities & Equity	763.75	714.34	703.05	644.16	734.71
Total Debt	13.84	23.31	66.2	21.35	20.67
Net Cash (Debt)	67.4	21.9	-22.28	15.6	118.05
Net Cash Growth	207.83%	-	-	-86.78%	2352.87%
Net Cash Per Share	58.61	19.03	-19.37	13.58	103.07
Filing Date Shares Outstanding	1.15	1.15	1.15	1.15	1.15
Total Common Shares Outstanding	1.15	1.15	1.15	1.15	1.15
Book Value Per Share	58.78	51.57	46.39	42.05	47.87
Tangible Book Value	67.66	59.21	53.37	48.33	54.85
Tangible Book Value Per Share	58.78	51.57	46.39	42.05	47.87

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.