CAPITOL NATIONAL BANK

LANSING, MI | Small | Est. Nov. 22, 1982, midnight | FDIC #24199 | RSSD #285544 | OCC
Latest Report: 2025-12-31

CAPITOL NATIONAL BANK is asn small FDIC-insured commercial bank headquartered in LANSING, MI, established in Nov. 22, 1982, midnight. As of 2025-12-31, the bank reported total assets of $213M and total deposits of $166M. Profitability stands at 2.22% ROA and 14.64% ROE, with a net interest margin of 5.47%. The bank's CET1 capital ratio is 14.97%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.29% and a Texas Ratio of 1.38%. FDIC Certificate #24199.

Assets

$213M

Deposits

$166M

Loans

$169M

Equity

$32M

Profitability

Return on Assets (ROA) 2.22%
Return on Equity (ROE) 14.64%
Net Interest Margin (NIM) 5.47%
Yield on Assets 6.54%
Cost of Funds 1.16%

Asset Quality

NPL Ratio 0.29%
Net Charge-Off Ratio 0.00%
Texas Ratio 1.38%
NPA Ratio 0.23%
ACL / Loans 2.36%

Capital & Liquidity

CET1 Ratio 14.97%
Tier 1 Capital 14.97%
Total Capital Ratio 15.72%
Leverage Ratio 15.72%
Loan-to-Deposit 101.45%

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