Capitol National Bank
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Data as of · sourced from FFIEC call reports. How we update
Capitol National Bank is an FDIC-insured commercial bank headquartered in Lansing, MI, established in 1982 (FDIC certificate 24199), and it is supervised by the OCC. At Q2 2026 it reported total assets of $209.3M, up 10.6% from Q2 2025, the 53rd largest of 72 banks headquartered in Michigan. It reports no CET1 ratio; its Tier 1 leverage ratio was 16.74% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 24199
- Headquarters
- Lansing, MI
- Established
- 1982
- Total assets, Q2 2026
- $209.3M
- Assets vs Q2 2025
- +10.6%
- Tier 1 leverage ratio, Q2 2026
- 16.74%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 072413450
- Latest call report
- Q2 2026, FFIEC 041 · Capitol National Bank call report
- Asset rank in state
- 53rd of 72 in Michigan
Problem loans are rising at Capitol National Bank. It reported $209 million in assets at June 30, 2026, up 10.6% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.57% of loans from 0.01% a year earlier. It keeps 5.23 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also funds 16.74% of its assets with Tier 1 capital, higher than about 9 in 10 banks its size (median 10.99%).
Loans are outrunning deposits: over the year loans rose 25.0% and deposits rose 4.9%. Delinquency has appeared in its $58 million non-owner-occupied commercial real estate book: 4.77% of those loans are past due or on nonaccrual, against almost none a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 2.0 times its capital, higher than about three-quarters of banks its size (median 1.2 times).
As of June 30, 2026, Capitol National Bank reported a return on assets of 1.83%, a nonperforming-loan ratio of 1.49% and a Texas ratio of 2.59%. The figures come from its call report filed with the FFIEC.
Of the 72 banks headquartered in Michigan, Capitol National Bank is the 53rd largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 4.7% to $209.3M, loans rose 2.6% and deposits fell 0.5%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 34.3% of total loans, followed by owner-occupied commercial real estate loans at 23.3%. Its 2 offices in the FDIC Summary of Deposits are in Lansing, MI and Okemos, MI; its Lansing office books 94% of its branch deposits. By the capital ratios in its Q2 2026 call report, Capitol National Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 200 N Washington Sq, Lansing, MI 48933
- County
- Ingham
- Metro Area
- Lansing-East Lansing, MI
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- November 22, 1982
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 32
- Domestic deposits
- $162.1M
- Allowance for credit losses
- $4.0M
- Net charge-offs (YTD)
- $0
- Average total assets
- $200.4M
- Average total loans
- $161.8M
- Average interest-bearing deposits
- $110.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 22, 1982
- FDIC Cert
- 24199
- Fed RSSD
- 285544
- Website
- www.capitolnational.com →
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Capitol National Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Capitol National Bank's total assets moved between a low of $181.2M (Q1 2024) and a high of $224.5M (Q3 2024) from Q3 2023 to Q2 2026, 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
$209.3M total assets against $189.2M; $175.8M total liabilities against $159.0M.
$166.5M net loans and leases against $132.4M; $162.1M total deposits against $154.6M.
$2.4M securities against $4.5M; $32.6M cash and balances due against $44.8M.
$3.0M total interest income against $3.0M; $489K total interest expense against $449K.
$2.6M net interest income against $2.5M.
$143K total noninterest income against $168K; $1.6M total noninterest expense against $1.5M.
$0 provision for credit losses against $0.
$917K net income against $976K.
1.83% return on assets against 2.04%; 5.23% net interest margin against 5.46%.
16.74% tier 1 leverage ratio against 15.79%.
Inside the full Capitol National 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.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Capitol National Bank rankings
Its closest position to the top of a national ranking is 705 of 3,611, for ROA; its furthest is 2,905 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.83% (Q2 2026) to 2.27% (Q4 2025) and its net interest margin ran from 5.02% (Q1 2026) to 5.52% (Q4 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.74% | 1.83% | 1.49% | 2.59% | 5.23% |
| Q1 2026 | 16.17% | 1.85% | 0.51% | 2.29% | 5.02% |
| Q4 2025 | 15.72% | 2.27% | 0.29% | 1.38% | 5.29% |
| Q3 2025 | 15.31% | 1.96% | 0.01% | 0.04% | 5.22% |
| Q2 2025 | 15.79% | 2.04% | 0.01% | 0.06% | 5.46% |
| Q1 2025 | 15.33% | 1.87% | 0.02% | 0.07% | 5.31% |
| Q4 2024 | 13.43% | 1.98% | 0.05% | 0.12% | 5.52% |
| Q3 2024 | 12.84% | 2.06% | 0.06% | 0.13% | 5.48% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 National Bank (main office) | Lansing , MI | 48933 | $152.9M |
| Meridian Branch | Okemos , MI | 48864 | $9.3M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 3 against the institution (OCC)
- January 30, 2015, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Capitol National Bank
- December 22, 2009, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Capitol National Bank
- January 30, 2009, OCC: Formal Agreement: Capitol National Bank
- Period: Most recent institution action January 30, 2015. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in MI, rank 72 of 95 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 7 loans, $5.2M approved, $738K 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
- Mortgage lending (HMDA), 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 National Bank
What are Capitol National Bank's total assets?
As of the Q2 2026 filing, Capitol National Bank reported total assets of $209.3 million in its FFIEC call report.
Where is Capitol National Bank headquartered?
It is headquartered in Lansing, MI, United States.
When was Capitol National Bank founded?
It was established in 1982, per the FDIC institution directory.
Is Capitol National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #24199). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Capitol National Bank?
Capitol National Bank's primary federal regulator is the OCC.
How many branches does Capitol National Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Capitol National Bank's Texas Ratio?
Its Texas Ratio is 2.59% 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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