Overview

* National Capital Q3 net income rises slightly year-over-year

* Net interest margin for Q3 2025 improved from last year but declined from Q2 2025

* Company announces $0.21 per share dividend, payable November 26, 2025

Outlook

* Company remains cautious due to ongoing uncertainty in the DC economy

* Company focuses on long-term relationship banking to support sustainable value

Result Drivers

* NET INTEREST INCOME - Higher net interest income driven by continued net interest margin expansion contributed to increased earnings

* LOAN AND DEPOSIT GROWTH - Significant loan growth and deposit increase supported financial performance, though loan growth led to higher credit loss provisions

* NON-PERFORMING LOANS - Uptick in non-performing loans due to specific borrower issues, leading to partial charge-offs

Key Details

Metric Beat/Mis Actual Consensu

s s

Estimate

Q3 Net 3.60%

Interest

Margin

Press Release:

For questions concerning the data in this report, contact [email protected]. For any other questions or feedback, contact .

(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)