Capital Bank, N.A.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 6.60 percentage points higher than in Q1 2026, at 290.70%. Capital Bank, N.A. ranks 7th of 27 Maryland banks on loan-to-deposit ratio, in the upper half at 90.55% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio; Capital Bank, N.A. reported 90.55% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $3.07B |
| Net loans and leases | $3.02B |
| Loans held for sale | $22.4M |
| Loans to total assets | 80.06% |
| Loan-to-deposit ratio | 90.55% |
| Net loans to equity capital | 8.64% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 31.19% |
| Multifamily (5+ residential) | 7.13% |
| Commercial and industrial | 23.79% |
| Consumer | 4.71% |
| Credit cards | 4.60% |
| Farm | 0.02% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 290.70% |
| Construction concentration (Tier 1 capital + allowance) | 94.45% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 8.50% |
| Interest income on loans | $64.7M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $1.82B | $1.97B | 35.54% | 13.09% | 6.36% |
| Q4 2023 | $1.86B | $1.90B | 34.84% | 12.86% | 6.28% |
| Q1 2024 | $1.93B | $2.01B | 35.79% | 13.23% | 5.55% |
| Q2 2024 | $1.99B | $2.10B | 35.03% | 12.85% | 5.91% |
| Q3 2024 | $2.08B | $2.19B | 34.96% | 13.08% | 5.93% |
| Q4 2024 | $2.60B | $2.77B | 33.92% | 21.18% | 4.78% |
| Q1 2025 | $2.67B | $2.90B | 32.85% | 22.08% | 4.41% |
| Q2 2025 | $2.72B | $2.95B | 33.25% | 21.73% | 4.70% |
| Q3 2025 | $2.80B | $2.94B | 33.07% | 22.06% | 4.73% |
| Q4 2025 | $2.94B | $3.11B | 31.44% | 23.69% | 4.74% |
| Q1 2026 | $3.00B | $3.31B | 30.74% | 24.28% | 4.49% |
| Q2 2026 | $3.07B | $3.39B | 31.19% | 23.79% | 4.71% |
Capital Bank, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Capital Bank, N.A., freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Capital Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35278) · FFIEC NIC profile (RSSD 2808602)