CAPITAL BANK
CAPITAL BANK is an FDIC-insured commercial bank headquartered in HOUSTON, TX, established in 1965. As of , 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 4.72%. CET1 capital ratio: 12.79%, well above regulatory minimums. NPL ratio: 0.00% · Texas Ratio: 0.12%. Operates 9 domestic branches.
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Capital Bank rankings
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Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 12.79% | 1.59% | 0.00% | 0.12% | 4.72% |
| 2025-09-30 | 12.75% | 1.53% | 0.02% | 0.26% | 4.69% |
| 2025-06-30 | 12.41% | 1.31% | 0.00% | 0.10% | 4.60% |
| 2025-03-31 | 12.83% | 1.24% | 0.01% | 0.15% | 4.36% |
| 2024-12-31 | 12.43% | 1.41% | 0.01% | 0.15% | 4.37% |
| 2024-09-30 | 12.62% | 1.19% | 0.00% | 0.11% | 3.95% |
| 2024-06-30 | 12.31% | 1.04% | 0.00% | 0.11% | 3.77% |
| 2024-03-31 | 12.52% | 1.03% | 0.05% | 0.53% | 3.86% |
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Frequently asked about CAPITAL BANK
What are Capital Bank's total assets?
As of the Q4 2025 filing, Capital Bank reported total assets of $673.4 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Capital Bank headquartered?
Capital Bank is headquartered in HOUSTON, TX, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Capital Bank founded?
Capital Bank was established in 1965, per the FDIC institution directory.
Is Capital Bank FDIC-insured?
Yes. Capital Bank is an FDIC-insured commercial bank (FDIC Certificate #19401). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Capital Bank?
Capital Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Capital Bank's CET1 capital ratio?
Capital Bank reported a Common Equity Tier 1 (CET1) capital ratio of 12.79% in its most recent quarterly filing — above regulatory minimums.
How many branches does Capital Bank operate?
Capital Bank operates 9 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Capital Bank's Texas Ratio?
Capital Bank's Texas Ratio is 0.12% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.