CAPITOL BANK

MADISON, WI | Medium | Est. Oct. 9, 1995, midnight | FDIC #34074 | RSSD #2339599 | FDIC
Latest Report: 2025-12-31

CAPITOL BANK is amn medium FDIC-insured commercial bank headquartered in MADISON, WI, established in Oct. 9, 1995, midnight. As of 2025-12-31, the bank reported total assets of $634M and total deposits of $543M. Profitability stands at 1.06% ROA and 9.89% ROE, with a net interest margin of 3.20%. The bank's CET1 capital ratio is 13.92%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.02% and a Texas Ratio of 0.12%. FDIC Certificate #34074.

Assets

$634M

Deposits

$543M

Loans

$478M

Equity

$68M

Profitability

Return on Assets (ROA) 1.06%
Return on Equity (ROE) 9.89%
Net Interest Margin (NIM) 3.20%
Yield on Assets 5.40%
Cost of Funds 2.30%

Asset Quality

NPL Ratio 0.02%
Net Charge-Off Ratio 0.01%
Texas Ratio 0.12%
NPA Ratio 0.01%
ACL / Loans 1.32%

Capital & Liquidity

CET1 Ratio 13.92%
Tier 1 Capital 13.92%
Total Capital Ratio 15.17%
Leverage Ratio 11.43%
Loan-to-Deposit 88.12%

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