Bank Safety Analysis
Is Capital Bank and Trust Company Safe?
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Capital Bank and Trust Company passes all 4 safety dimensions, with capital, asset quality, and stress buffers above the concern bands. Analysis based on the Q2 2026 call report.
The standout move of Q2 2026 was in CET1 ratio: 24.66 percentage points higher than in Q1 2026, at 202.30%. On CET1 ratio, Capital Bank and Trust Company ranks 2nd highest among the 74 banks headquartered in California, at 202.30% (Q2 2026). Capital Bank and Trust Company's CET1 ratio of 202.30% is well above the 15.08% median for banks in the $100M-1B asset tier, a gap of 187.22 points (Q2 2026). From Q3 2023 to Q2 2026, Capital Bank and Trust Company's CET1 ratio ranged between 119.40% (Q4 2024) and 210.85% (Q3 2023) and its Texas ratio held at 0.00% in every quarter. Between Q2 2025 and Q2 2026, Capital Bank and Trust Company's CET1 ratio rose from 179.49% to 202.30%, Texas ratio held at 0.00% and return on assets rose from 59.95% to 75.73%.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating. Held-out test AUC 0.904 for the 1-year horizon (v20261005_114304). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. See the model evidence and limits and the methodology. This is not investment advice or a credit rating.
Scorecard by dimension
Peer cohort: banks with $100M to $1B in assets (2,757 banks) · Industry averages as of Q2 2026.
CET1 of 202.30% sits comfortably above the 6.5% well-capitalized threshold under Prompt Corrective Action and the 7.0% level required once the capital conservation buffer is included.
Tier 1 leverage of 79.26% is above the 5% well-capitalized threshold.
Asset quality data not available.
Texas Ratio of 0.0% is well below the 100% historical failure threshold.
Efficiency ratio of 59.0% reflects competitive operating costs (lower is better).
Risk screens
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | 202.30% | Flags below 7% | Within range |
| Texas ratio BankRegReports band | 0.00% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | — | Flags at 3% or above | Not reported |
| Uninsured deposit share BankRegReports band | — | Watch at 50%, concern at 70% | Not reported |
| Loan-to-deposit ratio BankRegReports band | 0.00% | Flags at 100% or above | Within range |
| Commercial real estate to capital supervisory threshold | 0.00% | Watch at 200%, concern at 300% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Watch at 10%, concern at 25% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q2 2026 | 202.30% |
| Q1 2026 | 177.63% |
| Q4 2025 | 142.12% |
| Q3 2025 | 203.95% |
| Q2 2025 | 179.49% |
| Q1 2025 | 144.77% |
| Q4 2024 | 119.40% |
| Q3 2024 | 196.92% |
| Q2 2024 | 190.32% |
| Q1 2024 | 168.84% |
| Q4 2023 | 156.57% |
| Q3 2023 | 210.85% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 0.00% |
| Q1 2026 | 0.00% |
| Q4 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q1 2025 | 0.00% |
| Q4 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q2 2024 | 0.00% |
| Q1 2024 | 0.00% |
| Q4 2023 | 0.00% |
| Q3 2023 | 0.00% |
Capital Bank and Trust Company by quarter
| Quarter end | CET1 | NPL ratio | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2026 | 202.30% | — | 0.00% | 75.73% |
| Mar 31, 2026 | 177.63% | — | 0.00% | 74.58% |
| Dec 31, 2025 | 142.12% | — | 0.00% | 69.37% |
| Sep 30, 2025 | 203.95% | — | 0.00% | 59.88% |
| Jun 30, 2025 | 179.49% | — | 0.00% | 59.95% |
| Mar 31, 2025 | 144.77% | — | 0.00% | 65.92% |
| Dec 31, 2024 | 119.40% | — | 0.00% | 48.42% |
| Sep 30, 2024 | 196.92% | — | 0.00% | 48.54% |
| Jun 30, 2024 | 190.32% | — | 0.00% | 43.99% |
| Mar 31, 2024 | 168.84% | — | 0.00% | 45.93% |
| Dec 31, 2023 | 156.57% | — | 0.00% | 45.09% |
| Sep 30, 2023 | 210.85% | — | 0.00% | 44.89% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Capital Bank and Trust Company FDIC insured?
Yes. Capital Bank and Trust Company is an FDIC-insured savings institution (FDIC Certificate #35164). Customer deposits are protected up to the standard FDIC insurance limit of $250,000 per depositor, per ownership category.
Is Capital Bank and Trust Company well capitalized?
Yes. Capital Bank and Trust Company reports a CET1 Ratio of 202.30%, comfortably above the regulatory well-capitalized threshold that its primary federal regulator, the OCC, applies under Prompt Corrective Action.
What is Capital Bank and Trust Company's Texas Ratio?
Capital Bank and Trust Company's Texas Ratio is 0.00%. It compares nonperforming assets with tangible equity plus reserves; above 100% has historically signaled elevated failure risk.
How safe is my money at any FDIC-insured bank?
FDIC insurance covers up to $250,000 per depositor, per insured bank, per ownership category. If an insured bank fails, the FDIC typically pays insured depositors within one business day.
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Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FDIC BankFind (cert 35164) · FFIEC NIC profile (RSSD 2921659)
Explore: Full Capital Bank and Trust Company profile · Other banks in CA · Metric glossary · How the call report works