National Cap Bancorp Inc. · OTC:NACB
National Cap Bancorp — National Capital Bancorp — Shareholder Meeting (2026)
21 slides from National Cap Bancorp's shareholder meeting presentation, 2026
Slide 1: 2026 Annual Shareholders' Meeting
(OTCPK: NACB) 2026 ANNUAL SHAREHOLDERS’ MEETING 1
Slide 2: Chairman's Remarks
CHAIRMAN’S REMARKS Richard B. (Randy) 2 Anderson, Jr.
Slide 3: Highlights
Sustained Growth in Core Deposits and Client Relationships: Continued success in expanding deposits while deepening long‑term customer relationships. Disciplined Execution of a Balanced Growth Strategy: Ongoing focus on funding loan growth through customer deposits, maintaining strong liquidity
Slide 4: Community Highlights
Community is at the core of everything we do. This year, NCB continued supporting community organizations’ missions through the National Capital Bank Fund Charitable Giving – $128,018 Volunteer Hours – 1,058 2025 Follow us on LinkedIn, Facebook, and Instagram to see featured Bank activities and comm
Slide 5: Q1 2026 Recap
Q1 2026 RECAP Expanded commercial payment capabilities: Introduction of Zelle® for Small Business, providing faster and more flexible payment options for commercial clients. Engaging the next generation of customers: Targeted efforts to attract younger customers through Next Gen Checking and Cap
Slide 6: Retirement Announcements
RETIREMENT ANNOUNCEMENTS Randy Rabe Richard Johnson 6 Chief Financial Officer Chief Credit Officer
Slide 7: Management Announcements
MANAGEMENT ANNOUNCEMENTS Ryan McKinley William Bauder Shaun Ahmad Ian Kilby Chief Lending Officer Chief Financial Officer Chief Credit Officer Risk and Innovation Director 7
Slide 8: 2026 and Moving Forward
Operational Efficiency & Infrastructure Enhancing internal reporting, analytics, and infrastructure to improve efficiency, scalability, and decision‑making in support of balanced asset growth and disciplined expense management. Credit & Risk Management Maintaining a strong focus on credit quality th
Slide 9: Financial Highlights
FINANCIAL HIGHLIGHTS $000’s except per share 2025 2024 %Inc(Dec) Highlights Total Assets $ 763,751 $ 714,341 6.9% Loans 541,878 519,152 4.4% Deposits 678,192 628,205 8.0% 2025 Earnings of $7,033,000 and EPS of $6.12 Shareholders' Equity 67,657 59,209 14.3% improved 10% Pre-tax pre-provision profit
Slide 10: Earnings Growth Trends
EARNINGS GROWTH TRENDS $12,000 Analysis $11,298 Earnings Trend 5-Year CAGR: $10,000 % o 15.9% for Pre-tax pre-provision profit 5.9 $9,124 1 GR o 21.6% for Net income CA $8,000 $7,033 Pre-tax pre-provision profit: $6,381 $6,000 $5,914 $5,982 favorably impacted by PPP loan fees $5,406 $5,107 in
Slide 11: Loan & Deposit Growth Trends
LOAN & DEPOSIT GROWTH TRENDS Analysis Loans & Deposits 85.6% $800,000 82.6% 90.0% 79.9% Healthy and balanced growth over the $700,000 82.8% 74.4% $678,192 80.0% past five years: $657,116 $628,205 Loans 4.2% CAGR (5yr) 70.0% $600,000 $571,751 $580,649 Deposits 5.0% CAGR (5yr) $532,444 $541,878
Slide 12: Valuable Core Deposits
VALUABLE CORE DEPOSITS Historical Deposit Growth ($000’s) Deposit Composition (12/31/2025) $800,000 60.0% 2025 Cost: 1.43% : $700,000 $657,116 CAGR $678,192 % 5.0$628,205 CD's >/= 50.0% $600,000 $571,751 $580,649 $250,000; $532,444 12.6% Non-interest- $500,000 40.9% bearing; 25.7% 40.0% CD's < $250,
Slide 13: National Capital Financial Group
NATIONAL CAPITAL FINANCIAL GROUP Record growth and income 2020-2025 Assets Under Management and Fee Based Gross Income Assets Historical Growth ($MM) $500 2025 2,424,907 $450 CAGR $400 7.3% 2024 2,194,200 .5% CAGR 9 $350 2023 1,937,204 $300 13 GR $250 % 2022 1,861,187 .1 CA $200 $150 2021 1,764,260
Slide 14: Prudent Credit Culture Drives Asset Quality
PRUDENT CREDIT CULTURE DRIVES ASSET QUALITY Credit Quality Highlights Low historic nonperforming assets has been supported by conservative approach to provisioning reserves. Recent problem loans primarily originated from voucher-tenanted multifamily housing projects. The Bank is continuing to work
Slide 15: Strong Capital Levels
STRONG CAPITAL LEVELS 2024 & 2025 Bank Capital Levels 18.00% 16.98% 16.95% 16.00% Tier 1 Leverage ratio 14.00% remained strong at 11.34% 12.00% 10.98% 11.34% 10.00% in 2025 10.00% 8.00% Total Risk-based Capital 6.00% 5.00% ratio remained very strong 4.00% at 16.95% of risk-weighted 2.00% assets
Slide 16: Focus on Productivity – 4Q25 vs. 4Q24
FOCUS ON PRODUCTIVITY – 4Q25 VS. 4Q24 Quarter Ended- 12/31/2025 The NCB The post-pandemic economic National Rank NCB conditions, including the rapid Capital Bank DC 12-Bank NCB (out of DC 8-Bank NCB Rank increase in interest rates ($000s) of WA Median Variance 12) Median Variance (out of 8) beginn
Slide 17: 1Q26 Financial Results
1Q26 FINANCIAL RESULTS Y-O-Y Highlights $000's except per share: 1Q26 1Q25 %Inc(Dec) Total Assets $ 735,346 $ 716,771 2.6% Loans $ 530,197 $ 521,089 1.7% 1Q26 Earnings of $1,053,000 decreased 37.1% compared to Deposits $ 650,663 $ 619,556 5.0% 1Q25 Loan-to-deposit ratio 81.49% 84.11% Pre-tax pre
Slide 18: Per Share Trends
PER SHARE TRENDS Share Price Trend Stock price at 3/31/26 of $80.00 140% $66.49 compared to book 112% $70.00 122% 114% $67.00 value at 3/31/26 of $59.47 $66.49 120% $63.00 103% $58.78 $59.47 2nd quarter dividend of $60.00 98% 93% 100% 87% $51.57 $49.25 $47.87 $50.00 $46.71 $42.05 $46.39 $43.19 8
Slide 19: Share Price-to-Earnings Trends
SHARE PRICE-TO-EARNINGS TRENDS Share Price Trend $80.00 17.6 20.0 Price-to- $70.00 $67.00 $66.49 18.0 Earnings (LTM $60.00 $63.00 $58.78 $59.47 16.0 EPS) has $49.25 10.3 11.4 $51.57 11.9 14.0 remained fairly 12.1 $47.87 $46.39 10.9 $50.00 $46.71 $40.75 $41.25 $42.05$43.19 11.4 12.0 stable in low $
Slide 20: Congratulations & Thank You
CONGRATULATIONS & THANK YOU Please join us in thanking Kathy Didden for her 18 years of dedicated service 20 (2008–2026) on the Boards of Directors of National Capital Bank and National Capital Bancorp, Inc.
Slide 21: Thank You for Joining Us
THANK YOU FOR JOINING US (OTCPK: NACB) 21
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