4 banks filing · read from the 30 June 2026 Call Report
4
banks filing
$3.5B in assets
+2.8%
Loans, year over year
median; 1 above 10%, 2 shrinking
56.7%
CRE / loans
median
86.3%
Loans / deposits
median
1.65%
NPA / loans
median
12.8%
Equity / assets
median
District of Columbia's 4 banks hold $3.5B in assets at 30 June 2026. City First Bank N.A. is the largest at $1.6B, and the five largest hold 100% of the total; 1 institution is above $1B, holding $1.6B.
Loans grew a median +2.8% in the year to 30 June 2026: 1 institution grew faster than 10% and 2 shrank. The median bank lends 86% of its deposits and holds commercial real estate at 56.7% of loans. Nonperforming loans sit at a median 1.65% of the book, return on assets at 0.42%, and equity at 12.8% of assets.
None of the 4 is in the catalogue yet.
Who holds the state's assetseach institution's share of the $3.5B the state's 4 hold; the largest first, amber in the catalogue
City First Bank N.A. holds 44.8% of the state's bank assets; the five largest hold 100%, and 1 of the 4 are above $1B.
How concentrated that iscumulative share of assets against the share of institutions, largest first; the Gini from the drawn curve
The curve's distance from the diagonal is the concentration: 100% of the assets in 125% of the institutions. A Gini near zero would mean equal shares; one would mean a single holder.
What the state's banks lendthe loan book of every bank in the state, summed by category as filed
Multifamily is the largest category at 28.3% of the state's $2.4B in loans, then Nonfarm nonresidential, non-owner-occupied at 18.1% and Commercial & industrial at 15.3%.
Loans, year over yearDistrict of Columbia banks, 30 June 2026 against a year earlier · no better direction, largest first · amber, in the catalogue
City First Bank N.A. grew fastest at +15.2%; 1 grew faster than 10% and 2 shrank, National Capital Bank of Washington the most at -1.2%. The median is +2.8%.
Commercial real estate, share of loansDistrict of Columbia banks, 30 June 2026 · construction, multifamily and non-owner-occupied nonresidential; listed largest first · amber, in the catalogue
Founders Bank is the most CRE-weighted at 70.5% of loans; 3 of the 4 are above 40%, against a median of 56.7%.
Commercial real estate against capital, the 300% screenDistrict of Columbia banks, 30 June 2026 · the 2006 interagency guidance's screen; total risk-based capital where filed, Tier 1 for a CBLR filer; listed largest first · amber, in the catalogue
2 of the 4 banks sit above the 300% screen, Founders Bank the highest at 425% of capital; the median is 320%. Crossing the screen is not a violation; it is the level at which examiners expect the risk-management practices the guidance describes.
Construction and land development against capital, the 100% screenDistrict of Columbia banks, 30 June 2026 · the guidance's first prong; listed largest first · amber, in the catalogue
1 of the 4 bank sits above the 100% construction screen, Founders Bank the highest at 120%; the median is 52%.
Loans to depositsDistrict of Columbia banks, 30 June 2026 · listed highest first · amber, in the catalogue
1 of the 4 lend more than they hold in deposits, Founders Bank the furthest at 100%; the median is 86%.
Nonperforming loans, share of loansDistrict of Columbia banks, 30 June 2026 · listed highest first · amber, in the catalogue
Industrial Bank carries the most nonperforming loans at 6.56% of the book; 2 of the 4 are above 1%, and the median is 1.65%.
The allowance against nonperforming loansthe twenty widest gaps between the reserve and the trouble it covers, both as shares of loans · bold, in the catalogue
The distance between the two dots is the reserve's headroom over the loans already in trouble. 3 of the 4 hold an allowance smaller than their nonperforming loans.
Return on assetsDistrict of Columbia banks, 30 June 2026 · listed highest first · amber, in the catalogue
National Capital Bank of Washington earns the most at 0.89% and Industrial Bank the least at 0.01%; 2 of the 4 earn under 0.50%, and the median is 0.42%.
The efficiency ratio, with the return beside itDistrict of Columbia banks, 30 June 2026 · cost as a share of revenue, lowest first; return on assets at the right · amber, in the catalogue
National Capital Bank of Washington runs the leanest at 59.9% of revenue in cost; 2 of the 4 spend more than 80 cents of every revenue dollar, and the median is 78.4%.
The fifteen largest, 30 June 2026navy: the stronger half of each column; amber: the weaker; darker at the ends; bold rows are in the catalogue
Institution
Assets
Loans YoY
CRE / loans
Loans / deposits
NPA / loans
ROA
Equity / assets
City First Bank N.A.
$1.6B
+15.2%
64.7%
96%
0.98%
0.32%
12.1%
Industrial Bank
$774M
-0.3%
39.6%
68%
6.56%
0.01%
13.8%
National Capital Bank of Washington
$742M
-1.2%
48.7%
76%
2.32%
0.89%
10.9%
Founders Bank
$406M
+5.8%
70.5%
100%
0.00%
0.52%
13.5%
Five years, 2021 to 2026the 4 institutions filing at both dates; dollars as growth, ratios in points
2021
2026
Change
Loans, in total
$1.5B
$2.4B
+63%
Deposits, in total
$1.9B
$2.8B
+46%
NPA / loans, median
0.34%
1.65%
+1.31 pts
Efficiency, median
93.6%
78.4%
-15.2 pts
ROA, median
0.21%
0.42%
+0.21 pts
Credit unions
29 credit unions filing · read from the 31 March 2026 NCUA 5300
29
credit unions filing
$11.9B in assets
-4.0%
Loans, year over year
median; 2 above 10%, 21 shrinking
0.0%
Member business loans / loans
median
63.5%
Loans / shares
median
1.03%
Delinquency / loans
median
11.6%
Net worth ratio
median
District of Columbia's 29 credit unions hold $11.9B in assets at 31 March 2026. Bank Fund Staff is the largest at $7.1B, and the five largest hold 87% of the total; 2 institutions are above $1B, holding $8.4B.
Loans grew a median -4.0% in the year to 31 March 2026: 2 institutions grew faster than 10% and 21 shrank. The median credit union lends 64% of its shares, with member business loans at 0.0% of loans. Delinquent loans sit at a median 1.03% of the book, return on assets at 0.25%, and net worth at 11.6% of assets.
None of the 29 is in the catalogue yet.
Who holds the state's assetseach institution's share of the $11.9B the state's 29 hold; the largest first, amber in the catalogue
Bank Fund Staff holds 59.4% of the state's credit union assets; the five largest hold 87%, and 2 of the 29 are above $1B.
How concentrated that iscumulative share of assets against the share of institutions, largest first; the Gini from the drawn curve
The curve's distance from the diagonal is the concentration: 87% of the assets in 17% of the institutions. A Gini near zero would mean equal shares; one would mean a single holder.
Loans, year over yearDistrict of Columbia credit unions, 31 March 2026 against a year earlier · no better direction, largest first · the 25 highest of 29 · amber, in the catalogue
Sargent grew fastest at +47.4%; 2 grew faster than 10% and 21 shrank, Pmi Employees the most at -37.2%. The median is -4.0%.
Member business loans, share of loansDistrict of Columbia credit unions, 31 March 2026 · listed largest first · the 25 highest of 29 · amber, in the catalogue
Bank Fund Staff carries the most commercial lending at 0.0% of loans; 0 of the 29 are above 10%, against a median of 0.0%.
Loans to sharesDistrict of Columbia credit unions, 31 March 2026 · listed highest first · the 25 highest of 29 · amber, in the catalogue
1 of the 29 lend more than they hold in shares, Paramount Baptist Church the furthest at 107%; the median is 64%.
Delinquent loans, share of loansDistrict of Columbia credit unions, 31 March 2026 · listed highest first · the 25 highest of 29 · amber, in the catalogue
Sargent carries the most delinquency at 14.97% of the book; 15 of the 29 are above 1%, and the median is 1.03%.
The allowance against delinquencythe twenty widest gaps between the reserve and the trouble it covers, both as shares of loans · bold, in the catalogue
The distance between the two dots is the reserve's headroom over the loans already in trouble. 12 of the 29 hold an allowance smaller than their delinquent loans.
Return on assetsDistrict of Columbia credit unions, 31 March 2026 · listed highest first · the 25 highest of 29 · amber, in the catalogue
MT Airy Baptist Church earns the most at 3.62% and Paramount Baptist Church the least at -19.99%; 19 of the 29 earn under 0.50%, and the median is 0.25%.
The efficiency ratio, with the return beside itDistrict of Columbia credit unions, 31 March 2026 · cost as a share of revenue, lowest first; return on assets at the right · the 25 lowest of 29 · amber, in the catalogue
MT Airy Baptist Church runs the leanest at 21.4% of revenue in cost; 19 of the 29 spend more than 80 cents of every revenue dollar, and the median is 89.4%.
The fifteen largest, 31 March 2026navy: the stronger half of each column; amber: the weaker; darker at the ends; bold rows are in the catalogue
Institution
Assets
Loans YoY
MBL / loans
Loans / shares
Delinquency
ROA
Net worth
Bank Fund Staff
$7.1B
+2.5%
0.0%
62%
0.24%
0.95%
13.4%
Wright Patman Congressional
$1.3B
+8.4%
0.0%
66%
0.90%
0.64%
10.4%
Idb Global
$846M
-0.8%
0.0%
77%
0.16%
0.47%
12.2%
Department of Commerce
$762M
-5.5%
0.0%
96%
1.39%
0.51%
5.7%
Library of Congress
$342M
-2.3%
0.0%
66%
0.37%
0.72%
16.3%
O.a.s. Staff
$290M
+4.4%
0.0%
61%
2.07%
0.07%
7.4%
Department of the Interior
$273M
-5.4%
0.0%
85%
0.66%
0.91%
7.3%
Treasury Department
$180M
+0.4%
0.0%
70%
0.87%
0.25%
10.1%
Dept of Labor
$140M
-2.9%
0.0%
87%
0.33%
-0.88%
7.9%
F R Bank
$124M
-2.7%
0.0%
73%
1.03%
0.23%
9.3%
Advantage Financial
$105M
-4.5%
0.0%
61%
1.54%
-0.48%
11.8%
DC
$90M
-3.3%
0.0%
76%
2.47%
0.10%
12.7%
Ep
$75M
-4.0%
0.0%
58%
1.27%
0.47%
8.5%
Afl Cio Employees
$50M
-9.2%
0.0%
86%
1.53%
0.08%
12.3%
District of Columbia Teachers
$49M
-7.2%
0.0%
38%
1.63%
0.44%
9.0%
Small-business lending
SBA 7(a) approvals into District of Columbia since FY2008, across every lender type
$731M of 7(a) credit has been approved into District of Columbia since FY2008 across 1,917 loans. Accommodation & food services is the largest category at 25.5%, Retail trade at 21.8%, Professional & technical services at 13.9%; the three together are 61% of the money. The heaviest losses fall in Construction, at 4.10% of approvals charged off.
7(a) lenders in the state, share of approvalssince FY2008, 130 lenders on record; SBA 7(a) release as of the 2026 file; loans credited to the institution holding them today; amber, in the catalogueWhat the state's 7(a) money financeseach industry's share of approvals since FY2008, the twelve largest
The industries, with what defaultsapprovals, loans and charged-off dollars by industry since FY2008; a loss rate is charged-off over approved dollars, on settled and unsettled cohorts alike
Industry
Approved
Loans
Share
Charged off
Loss rate
Accommodation & food services
$186M
385
25.5%
$4M
2.37%
Retail trade
$159M
336
21.8%
$3M
1.96%
Professional & technical services
$101M
388
13.9%
$2M
1.63%
Health care & social assistance
$88M
183
12.1%
$680K
0.77%
Other services
$46M
148
6.3%
$2M
3.62%
Manufacturing
$27M
61
3.7%
$975K
3.59%
Construction
$24M
98
3.2%
$968K
4.10%
Arts, entertainment & recreation
$20M
49
2.7%
$91K
0.47%
Administrative & waste services
$16M
76
2.2%
$374K
2.33%
Educational services
$14M
47
1.9%
$17K
0.13%
Finance & insurance
$13M
17
1.8%
$16K
0.12%
Transportation & warehousing
$13M
24
1.7%
$1M
9.73%
The largest county marketsapprovals since FY2008 and how many lenders have written there
County
Approved
Loans
Lenders
District Of Columbia
$731M
1,917
130
Each institution in the catalogue has its own read, prepared for its board and management from the public record. The full pack on any District of Columbia institution, twenty sections from its own filing, is prepared on request.
Prepared 7 September 2026 Sources FFIEC Call Report and NCUA 5300 via the FDIC and NCUA; SBA 7(a) release Cohort every institution filing in District of Columbia
Computed from each institution's own filing as published; medians are unweighted; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.