Capital Bank and Trust Company
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Data as of · sourced from FFIEC call reports. How we update
Capital Bank and Trust Company is an FDIC-insured savings institution headquartered in Irvine, CA, established in 2000 (FDIC certificate 35164), and it is supervised by the OCC. At Q2 2026 it reported total assets of $266.1M, up 38.3% from Q2 2025, the 95th largest of 113 banks headquartered in California.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 35164
- Headquarters
- Irvine, CA
- Established
- 2000
- Total assets, Q2 2026
- $266.1M
- Assets vs Q2 2025
- +38.3%
- Capital ratio
- Not reported
- Domestic offices
- 2 FDIC institution directory, current count
- Latest call report
- Q2 2026, FFIEC 051 · Capital Bank and Trust Company call report
- Asset rank in state
- 95th of 113 in California
Capital Bank and Trust Company is growing quickly. Its balance sheet stood at $266 million at June 30, 2026, up 38.3% from a year earlier; it is based in Irvine, California. It pays an average of 0.00% on its deposits and borrowings, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 1.80%). It also holds common equity equal to 202.30% of its risk-weighted assets, 13.4 times the median of 15.12% for banks its size.
Earnings jumped: net income for the quarter was $50 million, 74% above the same quarter a year earlier. Its margin is thin by comparison: it keeps 3.25 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, Capital Bank and Trust Company reported a CET1 capital ratio of 202.30%, a return on assets of 75.73% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Of the 113 banks headquartered in California, Capital Bank and Trust Company is the 95th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 17.5% to $266.1M, deposits were flat. Its 2 offices in the FDIC Summary of Deposits are in Irvine, CA and Reno, NV; its Irvine office books 100% of its branch deposits. On its Q2 2026 call report, Capital Bank and Trust Company meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 6455 Irvine Center Dr, Irvine, CA 92618
- County
- Orange
- Metro Area
- Los Angeles-Long Beach-Anaheim, CA
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- —
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- July 1, 2000
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 121
- Domestic deposits
- $500K
- Allowance for credit losses
- $0
- Net charge-offs (YTD)
- $0
- Average total assets
- $263.9M
- Average total loans
- $0
- Average interest-bearing deposits
- $500K
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- July 1, 2000
- FDIC Cert
- 35164
- Fed RSSD
- 2921659
- Website
- www.americanfunds.com →
Profitability
Q2 annualizedAsset Quality
Capital & 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 and Trust Company's total assets moved between a low of $146.7M (Q3 2023) and a high of $266.1M (Q2 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
$266.1M total assets against $192.3M; $57.6M total liabilities against $52.8M.
$0 net loans and leases against $0; $500K total deposits against $500K.
$131.5M securities against $97.3M; $67.4M cash and balances due against $40.5M.
$1.6M total interest income against $972K; $0 total interest expense against $0.
$1.6M net interest income against $972K.
$150.7M total noninterest income against $104.0M; $89.9M total noninterest expense against $66.7M.
No provision recorded in the last 12 quarters.
$50.0M net income against $28.8M.
75.73% return on assets against 59.95%; 3.25% net interest margin against 2.91%.
202.30% CET1 capital ratio against 179.49%; 79.26% tier 1 leverage ratio against 72.81%.
Inside the full Capital Bank and Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 48.42% (Q4 2024) to 75.73% (Q2 2026) and its net interest margin ran from 2.44% (Q4 2024) to 3.25% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 202.30% | 75.73% | — | 0.00% | 3.25% |
| Q1 2026 | 177.63% | 74.58% | — | 0.00% | 3.02% |
| Q4 2025 | 142.12% | 69.37% | — | 0.00% | 2.96% |
| Q3 2025 | 203.95% | 59.88% | — | 0.00% | 2.91% |
| Q2 2025 | 179.49% | 59.95% | — | 0.00% | 2.91% |
| Q1 2025 | 144.77% | 65.92% | — | 0.00% | 3.18% |
| Q4 2024 | 119.40% | 48.42% | — | 0.00% | 2.44% |
| Q3 2024 | 196.92% | 48.54% | — | 0.00% | 2.63% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 and Trust Company (main office) | Irvine , CA | 92618 | $500K |
| Reno Branch | Reno , NV | 89501 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 1, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in CA, rank 164 of 164 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 and Trust Company
What are Capital Bank and Trust Company's total assets?
As of the Q2 2026 filing, Capital Bank and Trust Company reported total assets of $266.1 million in its FFIEC call report.
Where is Capital Bank and Trust Company headquartered?
It is headquartered in Irvine, CA, United States.
When was Capital Bank and Trust Company founded?
It was established in 2000, per the FDIC institution directory.
Is Capital Bank and Trust Company FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #35164). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Capital Bank and Trust Company?
Capital Bank and Trust Company's primary federal regulator is the OCC.
What is Capital Bank and Trust Company's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 202.30% 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 and Trust Company operate?
It operates 2 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 and Trust Company's Texas Ratio?
Its Texas Ratio is 0.00% 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.
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