Capital Bank
Capital Bank reported total assets of $3.8 bn at Q2 2026, up 15.3% on a year earlier, the 342nd largest of 497 banks in our US coverage. The CET1 capital ratio at Capital Bank was 11.34%, and the uninsured share of Capital Bank was 45.13%. Source: FDIC Call Reports.
Key takeaways
- On return on equity (ROE), Capital Bank slipped from 91st to 186th among 500 US banks between and (1 = highest; FDIC Call Reports).
- Since , Capital Bank has taken over one institution; the latest was West Town Bank & Trust on (FDIC Call Reports).
- Capital Bank has one of the highest net interest margin readings among banks of $1 bn to $10 bn: 5.64% at , against a median of 3.66% across 339 banks (FDIC Call Reports).
What sets Capital Bank apart
- At 2.05%, the noncurrent loans to total loans of Capital Bank sits in the top tenth of its size group ($1 bn to $10 bn, 339 banks), where the median is 0.58%.
- Over the year to , the net interest margin of Capital Bank fell by 0.38 pp to 5.64%, a bigger fall than at 96% of covered banks.
How large is Capital Bank?
The balance sheet of Capital Bank at : assets $3.8 bn, deposits $3.4 bn, net loans $3.0 bn (loans equal to 88.96% of deposits). Securities make up 5.7% of total assets at Capital Bank. Since , when Capital Bank held $770.2 mn, its assets grew 398.2%. In the year to , deposits at Capital Bank rose 14.8% while its total assets rose 15.3%. At , Capital Bank employed 405 full-time equivalent staff across 8 offices, about $9.5 mn of assets per employee and $424.1 mn of deposits per office.
How much funding at Capital Bank is uninsured?
At Capital Bank, uninsured deposits (above the FDIC limit) made up 45.13% of domestic deposits at (+1.46 pp on a year earlier); Capital Bank ranks 136th of 500 on this measure. In dollars, Capital Bank estimated $1.5 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $3.4 bn | +14.8% | 328th of 499 |
| Net loans and leases | $3.0 bn | +13.1% | 311th of 500 |
| Loan-to-deposit ratio | 88.96% | -1.35 pp | 212th of 500 |
| Tier 1 leverage ratio | 8.97% | -0.42 pp | 434th of 500 |
| Total risk-based capital ratio | 12.60% | -0.53 pp | 383rd of 448 |
| Net interest margin | 5.64% | -0.38 pp | 26th of 500 |
| Return on assets (ROA) | 1.24% | -0.22 pp | 280th of 500 |
| Efficiency ratio | 68.59% | +2.63 pp | 425th of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $8.2 mn | Narrowed by $2.4 mn | |
| Noncurrent loans to total loans | 2.05% | +0.70 pp | 460th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.45% | -0.11 pp | 431st of 500 (1 = lowest) |
US rank of Capital Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
Capital Bank: assets, deposits and loans
- Total assets $3.8bn
- Deposits $3.4bn
- Net loans $3.0bn
Capital and securities
The CET1 ratio of Capital Bank stood at 11.34% in , -0.53 pp year on year. Low and high at Capital Bank since : 10.19% () to 13.56% (). Equity capital of Capital Bank at : $349.5 mn, or 9.1% of total assets. Capital Bank also reported a total capital ratio of 12.60% for , and a tier 1 leverage ratio of 8.97%.
The available-for-sale portfolio of Capital Bank showed an unrealized loss of $8.2 mn at ; the loss narrowed by $2.4 mn over the year.
Capital Bank: capital ratios
- Total capital 13%
- CET1 11%
- Tier 1 leverage 9.0%
Capital Bank: unrealized securities gains and losses
- Available for sale -$8mn
- Held to maturity $0
Profitability and loan quality
For the year to , Capital Bank earned a return on equity of 13.52%; return on assets: 1.24%. Net interest margin at Capital Bank: 5.64%, -0.38 pp in a year. Capital Bank net income: $23.1 mn, down 3.0% year on year. The efficiency ratio of Capital Bank was 68.59%: about 69 cents cost per revenue dollar, against 62 cents at the median peer.
At , noncurrent loans were 2.05% of total loans at Capital Bank; net charge-offs: 0.45% of average loans. Gross loans and leases at Capital Bank: $3.1 bn, up 13.1% in a year.
Capital Bank: profitability
- Return on equity 14%
- Net interest margin 5.6%
- Return on assets 1.2%
Peer group of Capital Bank
The peer group of Capital Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 1 shares the charter type of Capital Bank (national bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Maryland. Against them, Capital Bank shows CET1 ratio 11.34% against a peer median of 13.60%, return on equity 13.52% against a peer median of 11.48% and uninsured deposit share 45.13% against a peer median of 35.49%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Gulf Coast Bank and Trust Company | State nonmember bank | LA | $3.9 bn | 11.85% | 13.02% | 21.40% | |
| Bank of Marin | State nonmember bank | CA | $3.9 bn | 13.69% | 9.66% | 36.84% | |
| Investar Bank | National bank | LA | $3.9 bn | 13.51% | 11.66% | 34.14% | |
| Capital Bank | National bank | MD | $3.8 bn | 11.34% | 13.52% | 45.13% | |
| Independence Bank of Kentucky | State member bank | KY | $3.8 bn | not reported | 13.76% | 41.24% | |
| Bank of Utah | State nonmember bank | UT | $3.8 bn | 16.36% | 10.55% | 46.42% | |
| Bank of the Sierra | State nonmember bank | CA | $3.7 bn | not reported | 11.30% | 27.86% | |
. FDIC Call Reports.
Last eight quarters
Two years at Capital Bank, to : assets +53.5%, deposits +54.9%, equity +53.3%. Staff 298 to 405; offices 6 to 8.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $2.5 bn | $3.1 bn | $3.3 bn | $3.3 bn | $3.3 bn | $3.5 bn | $3.8 bn | $3.8 bn |
| Total deposits | $2.2 bn | $2.8 bn | $2.9 bn | $3.0 bn | $2.9 bn | $3.1 bn | $3.3 bn | $3.4 bn |
| Bank equity capital | $228.0 mn | $292.2 mn | $307.1 mn | $315.2 mn | $324.5 mn | $334.8 mn | $340.1 mn | $349.5 mn |
| CET1 ratio | 12.50% | 11.54% | 11.67% | 11.87% | 11.69% | 11.34% | 11.26% | 11.34% |
| Return on equity (ROE) | 13.41% | 12.91% | 16.29% | 15.62% | 15.78% | 15.95% | 12.56% | 13.52% |
| Uninsured share of domestic deposits | 44.46% | 37.30% | 41.83% | 43.68% | 44.16% | 40.69% | 42.04% | 45.13% |
| Full-time equivalent employees | 298 | 395 | 409 | 421 | 422 | 442 | 471 | 405 |
| Number of offices | 6 | 7 | 8 | 8 | 8 | 8 | 8 | 8 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of Capital Bank, oldest first; figures before and after each event are not like for like.
- . Absorbed West Town Bank & Trust (FDIC certificate 28151).
Large one-quarter moves at Capital Bank
- Total assets at Capital Bank changed by +25.7% in the quarter to 2024-12-31: Merger -Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from West Town Bank & Trust.
Questions and identifiers
What were the total assets of Capital Bank?
Capital Bank reported $3.8 bn at in its Call Report. That makes Capital Bank the 342nd largest of 497 banks in our US coverage.
Is Capital Bank the same as its holding company?
No. This page covers Capital Bank, FDIC certificate 35278; CAPITAL BCORP INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Capital Bank profitable?
Capital Bank reported net income of $23.1 mn for the year to ; annualized return on equity: 13.52%. So yes: Capital Bank made a profit over these months.
When is data for Capital Bank next updated?
Figures from Capital Bank for are due after .
Where can I check the figures for Capital Bank?
In the FDIC BankFind Suite record for certificate 35278, and in the Call Reports of Capital Bank (RSSD ID 2808602) at the FFIEC Central Data Repository.