Capitol Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Capitol Bank of Madison, WI against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.13% | 1.34% | -0.21% | 40th below |
| ROAE | 9.46% | 13.32% | -3.86% | 33rd below |
| Net Interest Margin | 3.23% | 3.93% | -0.70% | 17th bottom |
| Efficiency Ratio | 59.26% | 61.14% | -1.88% | 56th above |
| PPNR / Avg Assets | 1.34% | 1.68% | -0.34% | 35th below |
| Yield on Earning Assets | 5.17% | 5.67% | -0.50% | 30th below |
| Cost of Funds | 2.17% | 1.88% | +0.29% | 28th below |
| Net Interest Spread | 2.66% | 3.32% | -0.66% | 19th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.16% | 0.94% | -0.78% | 67th above |
| NPA / Total Assets | 0.12% | 0.70% | -0.58% | 67th above |
| NCO / Avg Loans | -0.01% | 0.16% | -0.17% | 86th top |
| ACL / Total Loans | 1.46% | 1.28% | +0.18% | 76th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 939.79% | 1539.03% | -599.24% | 82nd top |
| Texas Ratio | 0.89% | 7.33% | -6.44% | 74th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.76% | 19.51% | -3.75% | 55th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.76% | 19.54% | -3.78% | 55th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 17.01% | 20.62% | -3.61% | 57th above |
| Leverage Ratio | 12.42% | 12.14% | +0.28% | 69th above |
| Equity / Assets | 12.28% | 11.37% | +0.91% | 73rd above |
| TCE / Tangible Assets | 12.28% | 11.09% | +1.19% | 76th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 91.14% | 80.63% | +10.51% | 26th below |
| Core Deposit Ratio | 81.91% | 86.86% | -4.95% | 20th bottom |
| Wholesale Funding Ratio | 3.06% | 5.03% | -1.97% | 54th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -6.06% | 6.86% | -12.92% | 4th bottom |
| Loan Growth (Y/Y) | -10.30% | 7.91% | -18.21% | 2nd bottom |
| Deposit Growth (Y/Y) | -7.67% | 6.30% | -13.97% | 3rd bottom |
See Capitol Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Capitol Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Capitol Bank profile, how to read a UBPR, or how this data updates.