Capitol Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 16.00 percentage points in Q2 2026, from 923.79% to 939.79%. It was the largest change from Q1 2026 among the key lines here. Capitol Bank ranks 105th of 153 Wisconsin banks on return on assets, in the lower half at 1.13% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Capitol Bank sits 0.13 points lower, at 1.13% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.76% |
| Tier 1 risk-based capital ratio | 15.76% |
| Total risk-based capital ratio | 17.01% |
| Tier 1 leverage ratio | 12.42% |
| Equity capital to assets | 12.28% |
| Tangible equity to tangible assets | 12.28% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.16% |
| Non-performing assets ratio | 0.12% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 0.89% |
| Allowance for credit losses to loans | 1.46% |
| Reserve coverage of non-performing loans | 939.79% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.13% |
| Return on equity | 9.46% |
| Net interest margin | 3.23% |
| Efficiency ratio | 59.26% |
| Yield on earning assets | 5.17% |
| Cost of funds | 2.17% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.14% |
| Core deposits to total deposits | 81.91% |
| Brokered deposits to total deposits | 13.09% |
| Deposits to assets | 83.67% |
| Securities to assets | 16.09% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.92% | 11.92% | 13.09% | 10.58% | 0.43% |
| Q4 2023 | 11.81% | 11.81% | 13.06% | 10.69% | 0.83% |
| Q1 2024 | 12.03% | 12.03% | 13.28% | 10.28% | 0.45% |
| Q2 2024 | 11.92% | 11.92% | 13.17% | 10.71% | 0.61% |
| Q3 2024 | 11.97% | 11.97% | 13.15% | 10.70% | 0.65% |
| Q4 2024 | 12.66% | 12.66% | 13.81% | 10.58% | 0.80% |
| Q1 2025 | 12.90% | 12.90% | 14.07% | 10.20% | 0.52% |
| Q2 2025 | 13.56% | 13.56% | 14.79% | 10.62% | 0.84% |
| Q3 2025 | 14.02% | 14.02% | 15.27% | 11.40% | 0.99% |
| Q4 2025 | 13.92% | 13.92% | 15.17% | 11.43% | 1.09% |
| Q1 2026 | 15.08% | 15.08% | 16.33% | 11.38% | 1.09% |
| Q2 2026 | 15.76% | 15.76% | 17.01% | 12.42% | 1.13% |
Capitol Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Capitol Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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 Capitol Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34074) · FFIEC NIC profile (RSSD 2339599)