National Capital Bank Only A+ Rated Bank in the DC Metro Area

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1 FOR IMMEDIATE RELEASE: May 26, 2010 CONTACT: David Glaser National Capital Bank of Washington Office: National Capital Bank Only A+ Rated Bank in the DC Metro Area Washington, DC The National Capital Bank of Washington (NCB) has once again been rated A+ by Weiss Ratings making it the only bank in the DC Metro area to receive this exceptional distinction. NCB is also the only bank in the District of Columbia to be recognized as one of the Strongest Banks and Thrifts in the United States. In today s world of big bank failures the general public deserves to know the health and stability of the banks in their community. Consumers should make informed decisions and feel confident about where they are putting their money, says Richard Didden, CEO of NCB. In an alarming report released this week by Weiss Ratings, several big banks are noted as having vulnerabilities due to poor financial conditions. Included in this report are some of the largest national and regional banks in the DC area. To put these reports in terms of the local market area, a list of the strongest and weakest banks in Virginia, Maryland and the District of Columbia have been included at the end of this release. Weiss Ratings is the nation's only independent provider of ratings and analyses covering the financial services industry. Additional information can be obtained by registering at more.php?sc=wrat&ec=a In addition, the press release from Weiss Ratings can be viewed here html. # # # The National Capital Bank of Washington was founded in 1889 and has been managed by the Didden family for 121 years. NCB has assets of $298.5 million and is headquartered on Capitol Hill with a second branch located in Friendship Heights. The bank has been recognized over the last decade with numerous accolades for its safety and soundness, exceptional performance, small business lending, and for being named one of the top banks and thrifts, a 100 year old small business of the year, and top commercial lender. NCB trades under the symbol NACB. For more information about NCB, go to

NCB is also the only bank in the District of Columbia to be recognized as one of the Strongest Banks and Thrifts in the United States.

2 Strongest Banks VA, MD & DC (According to Weiss Ratings) National Capital Bank of Washington Washington DC $298,510 A+ Calvin B. Taylor Banking Company of Berlin, Maryland Berlin MD $388,240 A- Jarrettsville Federal Savings & Loan Association Jarrettsville MD $89,069 B+ Middletown Valley Bank Middletown MD $140,670 A Rosedale Federal Savings & Loan Association Baltimore MD $649,156 A+ American National Bank and Trust Company Danville VA $808,330 A- Bank of Charlotte County Phenix VA $117,230 A- Bank of Southside Virginia Carson VA $494,560 A Burke & Herbert Bank & Trust Company Alexandria VA $2,012,580 A- Farmers & Merchants Bank of Craig County New Castle VA $51,890 A- Farmers Bank of Appomattox Appomattox VA $165,760 B+ First Bank & Trust Company Lebanon VA $1,130,090 B+ Grundy National Bank Grundy VA $319,200 A- National Bank of Blacksburg Blacksburg VA $978,530 A- Peoples Bank of Virginia Richmond VA $281,470 B+ Powell Valley National Bank Jonesville VA $239,770 B+ Virginia Bank & Trust Company Danville VA $151,510 A+

Federal Savings & Loan Association Baltimore MD $649,156 A+ American National Bank and Trust Company Danville VA $808,330 A- Bank of Charlotte County Phenix VA $117,230 A- Bank of Southside Virginia

3 Weakest Banks VA, MD & DC (According to Weiss Ratings) Adams National Bank Washington DC $289,920 E Independence Federal Savings Bank Washington DC $157,551 E- Advance Bank Baltimore MD $76,216 D American Bank Bethesda MD $507,966 D Bank of the Eastern Shore Cambridge MD $233,210 D- BankAnnapolis Annapolis MD $444,310 D+ Bay National Bank Lutherville MD $292,940 E- Carrollton Bank Columbia MD $422,350 D+ Cecil Bank Elkton MD $508,810 D- CFG Community Bank Baltimore MD $249,150 D Chesapeake Bank of Maryland (MHC) Baltimore MD $202,327 D+ Colombo Bank Rockville MD $164,077 E+ CommerceFirst Bank Annapolis MD $200,370 D Damascus Community Bank Damascus MD $230,690 D+ Eastern Savings Bank, FSB Hunt Valley MD $920,355 D- Easton Bank & Trust Easton MD $158,040 D+ Farmers Bank of Willards Willards MD $334,410 D- First Mariner Bank Baltimore MD $1,379,910 E- First United Bank & Trust Oakland MD $1,736,890 D+ Fullerton Federal Savings Association Baltimore MD $9,042 D Harbor Bank of Maryland Baltimore MD $304,560 D- HarVest Bank of Maryland Gaithersburg MD $227,690 E+

$422,350 D+ Cecil Bank Elkton MD $508,810 D- CFG Community Bank Baltimore MD $249,150 D Chesapeake Bank of Maryland (MHC) Baltimore MD $202,327 D+ Colombo Bank Rockville MD $164,077 E+ CommerceFirst

4 Hebron Savings Bank Hebron MD $446,040 D+ Howard Bank Ellicott City MD $286,220 D+ Hull Federal Savings Bank Baltimore MD $25,993 D- Ideal Federal Savings Bank Baltimore MD $6,315 E+ K Bank Owings Mills MD $612,260 E- Liberty Federal Savings & Loan Association Baltimore MD $47,668 D Madison Square Federal Savings Bank Baltimore MD $147,434 D Maryland Bank & Trust Company NA Lexington Park MD $349,330 D- Maryland Financial Bank Towson MD $83,190 D NBRS Financial Bank Rising Sun MD $276,050 D- New Windsor State Bank New Windsor MD $233,990 D- Patapsco Bank Dundalk MD $260,380 D- Peoples Bank Chestertown MD $254,380 D+ Presidential Bank, FSB Bethesda MD $604,222 D Regal Bank & Trust Owings Mills MD $176,390 D- Sandy Spring Bank Olney MD $3,631,190 D+ Severn Savings Bank, FSB Annapolis MD $962,420 D+ Sykesville Federal Savings Association Sykesville MD $93,514 D- Vigilant Federal Savings Bank Baltimore MD $56,710 D- Washington Savings Bank, F.S.B. Bowie MD $430,216 D- Waterfield Bank Germantown MD $155,566 F Wilmington Trust Federal Savings Bank Baltimore MD $2,370,357 D Acacia Federal Savings Bank (MHC) Falls Church VA $1,387,290 D Alliance Bank Corporation Chantilly VA $575,390 D-

$349,330 D- Maryland Financial Bank Towson MD $83,190 D NBRS Financial Bank Rising Sun MD $276,050 D- New Windsor State Bank New Windsor MD $233,990 D- Patapsco Bank Dundalk MD $260,380 D- Peoples

5 Bank of Botetourt Buchanan VA $309,140 D- Bank of Hampton Roads Norfolk VA $2,723,880 D- Bank of the Commonwealth Norfolk VA $1,275,780 D- Bank of the James Lynchburg VA $437,590 D- Bank of Virginia Midlothian VA $222,090 D- Central Virginia Bank Powhatan VA $472,230 E+ Colonial Virginia Bank Gloucester VA $125,330 D+ Community Bank Staunton VA $542,747 D+ Community Bankers' Bank Midlothian VA $152,780 D Consolidated Bank & Trust Company Richmond VA $77,280 D E*TRADE Bank Arlington VA $45,036,887 D- E*TRADE Savings Bank Arlington VA $954,060 D Essex Bank Tappahannock VA $1,240,040 D- First Bank Strasburg VA $552,070 D+ First State Bank Danville VA $28,140 E- Franklin Community Bank, National Association Rocky Mount VA $224,800 D+ Franklin Federal Savings Bank Glen Allen VA $978,021 D+ Freedom Bank of Virginia Fairfax VA $157,280 D Grayson National Bank Independence VA $369,030 D Highlands Union Bank Abingdon VA $648,360 D HomeTown Bank Roanoke VA $337,840 D HSBC Bank USA, National Association McLean VA $167,165,240 D Imperial Savings and Loan Association Martinsville VA $10,070 E- Lee Bank and Trust Company Pennington Gap VA $166,990 D+

$152,780 D Consolidated Bank & Trust Company Richmond VA $77,280 D E*TRADE Bank Arlington VA $45,036,887 D- E*TRADE Savings Bank Arlington VA $954,060 D Essex Bank Tappahannock VA $1,240,040 D- First

6 Martinsville First Savings Bank Martinsville VA $45,611 D+ Millennium Bank, National Association Sterling VA $240,710 E- New Peoples Bank Honaker VA $858,070 D+ Old Dominion National Bank North Garden VA $54,240 D- Peoples Bank Ewing VA $99,850 E River Community Bank, N.A. Martinsville VA $93,250 D- TruPoint Bank Grundy VA $491,490 D- Valley Bank Roanoke VA $712,770 D Village Bank Midlothian VA $584,150 D- Virginia Business Bank Richmond VA $151,790 D- Virginia Commerce Bank Arlington VA $2,721,110 D- Virginia Community Bank Louisa VA $208,480 D+ Virginia Savings Bank, FSB Front Royal VA $127,134 D+ Xenith Bank Richmond VA $200,670 D

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