Capitol Bank
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Data as of · sourced from FFIEC call reports. How we update
Capitol Bank is an FDIC-insured commercial bank headquartered in Madison, WI, established in 1995 (FDIC certificate 34074), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $565.3M, down 6.1% from Q2 2025, the 58th largest of 153 banks headquartered in Wisconsin. Its CET1 capital ratio was 15.76% 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
- 34074
- Headquarters
- Madison, WI
- Established
- 1995
- Total assets, Q2 2026
- $565.3M
- Assets vs Q2 2025
- -6.1%
- CET1 ratio, Q2 2026
- 15.76%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 075912806
- Holding company
- CAPITOL BANKSHARES, INC.
- Asset rank in state
- 58th of 153 in Wisconsin
Capitol Bank leans heavily on commercial real estate. It reported $565 million in assets at June 30, 2026, down 6.1% from a year earlier. It holds commercial real estate loans worth 3.3 times its capital, about triple the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. It also shrank its loan book 10.3% over the year, lower than about 9 in 10 banks its size (median 5.5%).
Net income for the quarter rose 23% from a year earlier, to $1.6 million. Its margin is thin by comparison: it keeps 3.23 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, Capitol Bank reported a CET1 capital ratio of 15.76%, a return on assets of 1.13%, a nonperforming-loan ratio of 0.02% and a Texas ratio of 0.11%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Capitol Bank is the 58th largest of the 153 banks headquartered in Wisconsin. Between Q1 2026 and Q2 2026, its total assets fell 4.1% to $565.3M, loans fell 5.0% and deposits fell 5.0%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 27.5% of total loans, ahead of multifamily loans at 26.1%. The FDIC Summary of Deposits lists 3 offices for it, in Madison, WI and Verona, WI; its Madison 2 offices book 86% of its branch deposits. Judged on its Q2 2026 call report, Capitol Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 710 N High Point Rd, Madison, WI 53717
- County
- Dane
- Metro Area
- Madison, WI
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- October 9, 1995
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 56
- Domestic deposits
- $473.0M
- Allowance for credit losses
- $6.3M
- Net charge-offs (YTD)
- -$11K
- Average total assets
- $580.1M
- Average total loans
- $452.0M
- Average interest-bearing deposits
- $403.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 9, 1995
- FDIC Cert
- 34074
- Fed RSSD
- 2339599
- Website
- capitol.bank →
- Parent Holding Company
- CAPITOL BANKSHARES, INC. (RSSD 2339610)
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
From Q3 2023 to Q2 2026, Capitol Bank's total assets ranged from $560.6M (Q3 2023) to $640.1M (Q1 2025), 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
$565.3M total assets against $601.8M; $495.9M total liabilities against $537.4M.
$424.8M net loans and leases against $474.5M; $473.0M total deposits against $512.3M.
$90.9M securities against $85.0M; $23.0M cash and balances due against $17.9M.
$7.2M total interest income against $7.9M; $2.7M total interest expense against $3.7M.
$4.5M net interest income against $4.2M.
$338K total noninterest income against $318K; $2.9M total noninterest expense against $2.9M.
$4K provision for credit losses against $129K.
$1.6M net income against $1.3M.
1.13% return on assets against 0.84%; 3.23% net interest margin against 2.80%.
15.76% CET1 capital ratio against 13.56%; 12.42% tier 1 leverage ratio against 10.62%.
Inside the full Capitol 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 exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Capitol Bank rankings
Its closest position to the top of a national ranking is 741 of 2,134, for CET1 ratio; its furthest is 3,226 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.52% (Q1 2025) to 1.13% (Q2 2026) and its net interest margin ran from 2.49% (Q1 2025) to 3.23% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.76% | 1.13% | 0.02% | 0.11% | 3.23% |
| Q1 2026 | 15.08% | 1.09% | 0.02% | 0.11% | 3.08% |
| Q4 2025 | 13.92% | 1.09% | 0.02% | 0.12% | 3.17% |
| Q3 2025 | 14.02% | 0.99% | 0.01% | 0.67% | 3.16% |
| Q2 2025 | 13.56% | 0.84% | 0.01% | 1.15% | 2.80% |
| Q1 2025 | 12.90% | 0.52% | 0.00% | 1.12% | 2.49% |
| Q4 2024 | 12.66% | 0.80% | 0.00% | 1.16% | 2.71% |
| Q3 2024 | 11.97% | 0.65% | 0.26% | 1.93% | 2.55% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 |
|---|---|---|---|
| Capitol Bank (main office) | Madison , WI | 53717 | $350.2M |
| 108 East Verona Avenue Office | Verona , WI | 53593 | $68.0M |
| East Branch | Madison , WI | 53718 | $54.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in WI, rank 64 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 93 applications, 72 loans originated, $34.4M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $70K approved, $70K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (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 Capitol Bank
What are Capitol Bank's total assets?
As of the Q2 2026 filing, Capitol Bank reported total assets of $565.3 million in its FFIEC call report.
Where is Capitol Bank headquartered?
It is headquartered in Madison, WI, United States.
When was Capitol Bank founded?
It was established in 1995, per the FDIC institution directory.
Is Capitol Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #34074). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Capitol Bank?
Capitol Bank's primary federal regulator is the FDIC.
What is Capitol Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.76% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Capitol Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Capitol Bank's Texas Ratio?
Its Texas Ratio is 0.11% 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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