Capital Bank
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Data as of · sourced from FFIEC call reports. How we update
Capital Bank is an FDIC-insured commercial bank headquartered in Houston, TX, established in 1965 (FDIC certificate 19401), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $689.7M, up 3.6% from Q2 2025, the 126th largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 13.14% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 19401
- Headquarters
- Houston, TX
- Established
- 1965
- Total assets, Q2 2026
- $689.7M
- Assets vs Q2 2025
- +3.6%
- CET1 ratio, Q2 2026
- 13.14%
- Domestic offices
- 9 FDIC institution directory, current count
- Routing number
- 113002296
- Holding company
- CAPITAL BANCORP, INC.
- Asset rank in state
- 126th of 346 in Texas
Capital Bank earns an unusually wide margin on its lending. It reported $690 million in assets at June 30, 2026, up 3.6% from a year earlier. It keeps 5.13 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also carries problem assets equal to 0.1% of the capital and reserves that would absorb them, a small fraction of the median of 2.6% for banks its size.
Earnings jumped: net income for the quarter was $3.1 million, 45% above the same quarter a year earlier. Over the same year, loans grew 6.0% and deposits grew 2.6%. Concentration is the risk to watch: it holds commercial real estate loans worth 2.7 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, Capital Bank reported a CET1 capital ratio of 13.14%, a return on assets of 1.79%, a nonperforming-loan ratio of 0.01% and a Texas ratio of 0.06%. The figures come from its call report filed with the FFIEC.
Capital Bank ranks as the 126th largest of the 346 banks based in Texas, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.7% to $689.7M, loans rose 1.1% and deposits fell 0.9%. The largest part of its loan book on June 30, 2026 was owner-occupied commercial real estate loans, at 39.3% of total loans, ahead of non-owner-occupied commercial real estate loans at 22.7%. The FDIC Summary of Deposits lists 9 offices for it, in 8 cities in TX; its Jacinto City office books 38% of its branch deposits. By the capital ratios in its Q2 2026 call report, Capital Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 10304 East Fwy, Houston, TX 77029
- County
- Harris
- Metro Area
- Houston-Pasadena-The Woodlands, TX
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- April 10, 1965
- Former names
- Jacinto City Bank (1976-1985)
- Domestic offices
- 9 FDIC institution directory, current count
- Employees (FTE)
- 101
- Domestic deposits
- $608.7M
- Allowance for credit losses
- $6.8M
- Net charge-offs (YTD)
- $325K
- Average total assets
- $695.4M
- Average total loans
- $585.5M
- Average interest-bearing deposits
- $365.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 10, 1965
- FDIC Cert
- 19401
- Fed RSSD
- 596156
- Website
- www.capitalbanktx.com →
- Parent Holding Company
- CAPITAL BANCORP, INC. (RSSD 1106280)
- Ultimate Parent
- JSA FAMILY LIMITED PARTNERSHIP (RSSD 3035227)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Capital Bank's total assets moved between a low of $573.8M (Q3 2023) and a high of $694.3M (Q1 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$689.7M total assets against $665.9M; $617.5M total liabilities against $602.0M.
$584.9M net loans and leases against $551.6M; $608.7M total deposits against $593.3M.
$72.1M securities against $74.9M; $15.7M cash and balances due against $22.6M.
$11.1M total interest income against $9.8M; $2.4M total interest expense against $2.6M.
$8.7M net interest income against $7.2M.
$620K total noninterest income against $635K; $5.1M total noninterest expense against $4.9M.
$270K provision for credit losses against $225K.
$3.1M net income against $2.1M.
1.79% return on assets against 1.30%; 5.13% net interest margin against 4.59%.
13.14% CET1 capital ratio against 12.41%; 10.81% tier 1 leverage ratio against 10.21%.
Inside the full Capital Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Capital Bank rankings
Its closest position to the top of a national ranking is 765 of 3,611, for ROA; its furthest is 3,277 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.19% (Q3 2024) to 1.79% (Q2 2026) and its net interest margin ran from 3.93% (Q3 2024) to 5.13% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.14% | 1.79% | 0.01% | 0.06% | 5.13% |
| Q1 2026 | 13.02% | 1.61% | 0.33% | 2.52% | 4.87% |
| Q4 2025 | 12.79% | 1.57% | 0.00% | 0.12% | 4.70% |
| Q3 2025 | 12.75% | 1.52% | 0.02% | 0.26% | 4.68% |
| Q2 2025 | 12.41% | 1.30% | 0.00% | 0.10% | 4.59% |
| Q1 2025 | 12.83% | 1.23% | 0.01% | 0.15% | 4.35% |
| Q4 2024 | 12.43% | 1.40% | 0.01% | 0.15% | 4.36% |
| Q3 2024 | 12.62% | 1.19% | 0.01% | 0.15% | 3.93% |
Swipe the table sideways to see every column.
Branch Network
View all 9 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Capital Bank (main office) | Jacinto City , TX | 77029 | $228.5M |
| Pearland Branch | Pearland , TX | 77581 | $71.8M |
| Deer Park Branch | Deer Park , TX | 77536 | $67.8M |
| Fairmont Parkway Branch | Pasadena , TX | 77505 | $65.4M |
| Sugar Land Branch | Sugar Land , TX | 77479 | $56.9M |
| Capital Bank - Eagle's Trace | Houston , TX | 77077 | $40.5M |
| Garth Road Branch | Baytown , TX | 77521 | $38.4M |
| Capital Bank - Clear Lake Banking Center Branch | Houston , TX | 77058 | $21.5M |
| Capital Bank- Katy Banking Center Branch | Katy , TX | 77449 | $17.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 163 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 70 applications, 57 loans originated, $27.6M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $85K approved, $85K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Capital Bank
What are Capital Bank's total assets?
As of the Q2 2026 filing, Capital Bank reported total assets of $689.7 million in its FFIEC call report.
Where is Capital Bank headquartered?
It is headquartered in Houston, TX, United States.
When was Capital Bank founded?
It was established in 1965, per the FDIC institution directory.
Is Capital Bank FDIC-insured?
Yes. It 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.
What is Capital Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.14% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Capital Bank operate?
It operates 9 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Capital Bank's Texas Ratio?
Its Texas Ratio is 0.06% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Capital Bank previously called?
The charter now named Capital Bank has also operated as Jacinto City Bank (1976-1985), per FDIC structure-change records.
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