BanksCAPITAL BANK

CAPITAL BANK

HOUSTON, TXMediumEst. April 10, 1965, midnightFDIC #19401RSSD #596156FDIC
Latest · 2025-12-31

CAPITAL BANK is an 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%. CET1 capital ratio: 12.79%, well above regulatory minimums. NPL ratio: 0.00% · Texas Ratio: 0.12%. Operates 9 domestic branches.

Assets
$673M
Deposits
$590M
Loans
$577M
Equity
$69M

Profitability

Return on Assets (ROA)1.59%
Return on Equity (ROE)15.70%
Net Interest Margin5.03%
Yield on Assets6.73%
Cost of Funds1.76%

Asset Quality

NPL Ratio0.00%
Net Charge-Off Ratio0.06%
Texas Ratio0.12%
NPA Ratio0.01%
ACL / Loans1.14%

Capital & Liquidity

CET1 Ratio12.79%
Tier 1 Capital12.79%
Total Capital Ratio13.94%
Leverage Ratio10.41%
Loan-to-Deposit97.91%

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