Capital Bank, National Association
Capital Bank N.A. is a Maryland-chartered commercial bank headquartered in Rockville, Maryland, providing commercial and consumer banking services to clients in the Washington D.C. metropolitan area. The institution operates alongside Capital Bank Home Loans (mortgage services in all 50 states) and OpenSky (credit card services), and is recognized as one of the Nation's Top USDA Business Lenders.
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Data source: SBA 7(a) FOIA loan-level data, covering activity through June 30, 2026 across the trailing 3 years (14 loan records for this lender). Refreshed quarterly from public loan-level records; figures are not supplied or reviewed by the lender.
Capital Bank, National Association ranks #206 of 564 SBA 7(a) lenders nationally by acquisition-loan volume.
Most of Capital Bank, National Association’s 7(a) acquisition lending falls in the $0-$500K range: 8 loans, 57.1% of the portfolio.
| Loan size | Share of loans | Loans | % of portfolio |
|---|---|---|---|
| $0-$500K | 8 | 57.1% | |
| $500K-$1M | 3 | 21.4% | |
| $1M-$2M | 1 | 7.1% | |
| $3M-$4M | 2 | 14.3% |
Industries with highest loan volume
Insurance Agencies and Brokerages
2
loans
$380K
avg. amount
Offices of Certified Public Accountants
2
loans
$308K
avg. amount
Advertising Agencies
1
loans
$500K
avg. amount
Pharmacies and Drug Retailers
1
loans
$3.2M
avg. amount
Remediation Services
1
loans
$350K
avg. amount
Services for the Elderly and Persons with Disabilities
1
loans
$629K
avg. amount
All Other Amusement and Recreation Industries
1
loans
$3.8M
avg. amount
Private Mail Centers
1
loans
$320K
avg. amount
Furniture Retailers
1
loans
$300K
avg. amount
Coin-Operated Laundries and Drycleaners
1
loans
$755K
avg. amount
10-Year
4.4%
Percentile Ranking
95th
95th percentile
Capital Bank, National Association’s median variable rate is + 2.75%, against a market median of Prime + 1.88%, 88 above market.
It priced below the market median in 0 of the last 4 quarters. 2 of the 14 loans in its trailing three-year book carried a fixed rate; the rest were variable.
| Loan Size | Avg Rate |
|---|---|
| $0-$500K | Prime + 2.75% |
| $500K-$1M | Prime + 2.50% |
| $3M-$4M | Prime + 2.75% |
over at time of loan origination
| Quarter | This lender | Market median | Market range | Loans |
|---|---|---|---|---|
| Q3 '19 | Prime + 2.25% | Prime + 2.00% | Prime + 1.50% – Prime + 2.50% | 3 |
| Q2 '20 | Prime + 4.25% | Prime + 2.50% | Prime + 2.00% – Prime + 3.00% | 4 |
| Q1 '21 | Prime + 2.75% | Prime + 2.25% | Prime + 1.75% – Prime + 2.75% | 3 |
| Q3 '21 | Prime + 2.75% | Prime + 2.00% | Prime + 1.50% – Prime + 2.50% | 3 |
Capital Bank, National Association has originated 7(a) acquisition loans in 9 states, most actively in Virginia (3), Florida (2) and Tennessee (2). Darker states on the map carry more volume.
| State | Loans | % of Total |
|---|---|---|
| Virginia | 3 | 21.4% |
| Florida | 2 | 14.3% |
| Tennessee | 2 | 14.3% |
| South Carolina | 2 | 14.3% |
| Iowa | 1 | 7.1% |
| Oregon | 1 | 7.1% |
| Nevada | 1 | 7.1% |
| Colorado | 1 | 7.1% |
| Illinois | 1 | 7.1% |
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