National Capital Bancorp, Inc. (NACB)

National Capital Bancorp Balance Sheet

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	46.09	44.93	43.73	36.95	138.61	31.01
Investment Securities	118.02	81.28	86.05	38.04	41.19	29.44
Trading Asset Securities	-	0.28	0.18	-	0.11	0.16
Mortgage-Backed Securities	-	43.13	48.61	119.66	138.02	93.06
Total Investments	118.02	124.69	134.84	157.69	179.32	122.65
Gross Loans	537.75	520.2	497.69	425.56	397.49	442.26
Allowance for Loan Losses	-6.53	-6.13	-5.45	-5.07	-5.96	-6.11
Other Adjustments to Gross Loans	-	-1.05	-0.71	-0.41	-1.04	-1.44
Net Loans	531.23	513.03	491.53	420.08	390.49	434.71
Property, Plant & Equipment	6.43	6.54	6.94	7.55	8.2	8.56
Loans Held for Sale	-	-	0.79	-	-	1.44
Accrued Interest Receivable	-	2.45	2.42	2.02	2.14	2.31
Long-Term Deferred Tax Assets	-	5.15	4.77	5.08	1.73	0.65
Other Long-Term Assets	25.38	17.56	18.03	14.78	14.21	13.97
Total Assets	727.15	714.34	703.05	644.16	734.71	615.29
Interest Bearing Deposits	643.44	381.86	361.41	351.37	374.23	339.56
Institutional Deposits	-	73.59	53.88	12.34	14.36	20.98
Non-Interest Bearing Deposits	-	172.76	165.36	208.04	268.53	171.91
Total Deposits	643.44	628.21	580.65	571.75	657.12	532.44
Short-Term Borrowings	-	9.28	52.18	7.27	6.43	4.94
Current Portion of Leases	-	0.13	-	-	0.13	-
Accrued Interest Payable	-	0.24	0.22	0.09	0.07	0.04
Other Current Liabilities	-	0.02	-	-	-	-
Long-Term Debt	13.83	13.79	13.73	13.68	13.62	20.79
Long-Term Leases	-	0.11	0.28	0.4	0.48	0.62
Other Long-Term Liabilities	4.29	3.36	2.61	2.63	2	3.01
Total Liabilities	661.57	655.13	649.68	595.83	679.85	561.85
Common Stock	65.59	0.01	0.01	0	0	0
Additional Paid-In Capital	-	1.66	1.57	1.49	1.39	1.26
Retained Earnings	-	66.95	61.51	58.19	54.29	50.27
Comprehensive Income & Other	-	-9.41	-9.72	-11.35	-0.82	1.92
Shareholders' Equity	65.59	59.21	53.37	48.33	54.85	53.45
Total Liabilities & Equity	727.15	714.34	703.05	644.16	734.71	615.29
Total Debt	13.83	23.31	66.2	21.35	20.67	26.35
Net Cash (Debt)	32.26	21.9	-22.28	15.6	118.05	4.81
Net Cash Growth	-	-	-	-86.78%	2352.87%	-
Net Cash Per Share	28.06	19.03	-19.37	13.58	103.07	4.21
Filing Date Shares Outstanding	1.15	1.15	1.15	1.15	1.15	1.14
Total Common Shares Outstanding	1.15	1.15	1.15	1.15	1.15	1.14
Book Value Per Share	56.99	51.57	46.39	42.05	47.87	46.71
Tangible Book Value	65.59	59.21	53.37	48.33	54.85	53.45
Tangible Book Value Per Share	56.99	51.57	46.39	42.05	47.87	46.71

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.