CAPITAL BANK

HOUSTON, TX | Medium | Est. April 10, 1965, midnight | FDIC #19401 | RSSD #596156 | FDIC
Latest Report: 2025-12-31

CAPITAL BANK is amn medium FDIC-insured commercial bank headquartered in HOUSTON, TX, established in April 10, 1965, midnight. As of 2025-12-31, the bank reported total assets of $673M and total deposits of $590M. Profitability stands at 1.59% ROA and 15.70% ROE, with a net interest margin of 5.03%. The bank's CET1 capital ratio is 12.79%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.12%. FDIC Certificate #19401.

Assets

$673M

Deposits

$590M

Loans

$577M

Equity

$69M

Profitability

Return on Assets (ROA) 1.59%
Return on Equity (ROE) 15.70%
Net Interest Margin (NIM) 5.03%
Yield on Assets 6.73%
Cost of Funds 1.76%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.06%
Texas Ratio 0.12%
NPA Ratio 0.01%
ACL / Loans 1.14%

Capital & Liquidity

CET1 Ratio 12.79%
Tier 1 Capital 12.79%
Total Capital Ratio 13.94%
Leverage Ratio 10.41%
Loan-to-Deposit 97.91%

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