Capital Bank

31351 Rancho Viejo Road, Suite 101
San Juan Capistrano, CA 92675


General Bank Information

FDIC Insured Yes
FDIC Certificate # 58462
Date Established 2008
Assets $0.31 billion
Loans $0.25 billion
Deposits $0.26 billion
Capital $0.03 billion

Capital Bank is an FDIC insured institution located in San Juan Capistrano, CA. It was founded in 2008 and has approximately $0.31 billion in assets. Customers can open an account at one of its 2 branches.

For a more detailed analysis of Capital Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Capital Bank’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and Small Business Loans.

Compared to other banks in California, Capital Bank has a significantly higher percent of Construction and Development Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 13.11
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 14.44
Construction and Development Loans 12.12
Commercial Real Estate 52.06
Commercial and Industrial Loans 17.88
Farm Loans 0.00

Deposit Rates

Your Current Location: Virginia, VA 20146

There are currently no rates available for Capital Bank, but see these great savings and CD rates:

1.25% APY Online Savings Account from Ally Bank
1.60% APY 11 Month CD from Ally Bank

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Capital Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2017

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2229
License#: MC-5591
4.064% 4.000% 0.25 $1,938 $1,194 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2017

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.240% $217.33 Learn More

Note to Capital Bank
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Capital Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Capital Bank Locations

Financial Details

Capital Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Capital Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Capital Bank U.S. Bank Average
0.41% 8.45

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of June 30, 2017, Capital Bank had $134,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $29,249,000 in equity and $3,291,000 in loans loss reserves. That gives it a Texas Ratio of 0.41%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
Capital Bank U.S. Bank Average
13.42% 8.58

Capital Bank has a Return on Equity of 13.42% versus the BestCashCow average of 8.58. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capital Bank U.S. Bank Average
9.58% 12.11

Capital Bank has a Capitalization of 9.58% versus the BestCashCow average of 12.11. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Capital Bank Balance Sheet Analysis

As of June 30, 2017, Capital Bank had assets of $305,356,000, loans of $249,390,000, and deposits of $259,762,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Frequently Asked Questions About Capital Bank

Branches and Savings

Is Capital Bank FDIC insured?

Yes. It is covered under FDIC Certificate #58462.

Why does Capital Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Capital Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Capital Bank a commercial bank?


Where are Capital Bank locations?

See branch locations nearby.

Is Capital Bank open on Saturdays?

Is Capital Bank open on Sundays?

What time does Capital Bank open?

What time does Capital Bank close?

Are Capital Bank ATMs Open 24/7?

Do Capital Bank ATMs accept cash deposits?

Can Capital Bank customers use other ATMs?

Do Capital Bank branches have notaries?

Will Capital Bank notarize my document?

What address for Capital Bank should I put for incoming ACH transfers?

Will the Capital Bank branch print checks?

Do Capital Bank checks expire?

Does Capital Bank require US citizenship to open account?

Can Capital Bank close my account?

Does Capital Bank Report to credit bureaus?

Does Capital Bank Use Equifax?

What is Capital Bank's ACH Routing Number?

What is Capital Bank's SWIFT code?


Does Capital Bank offer mortgages?

Compare mortgage rates here.

Does Capital Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Capital Bank offer personal loans?

Compare personal loan rates here.

Does Capital Bank offer student loans?

Will Capital Bank cash a check?

Will Capital Bank redeem a savings bond?

Does Capital Bank cash savings bonds?

Will Capital Bank cash money orders?

Can Capital Bank issue a money order?

Does Capital Bank do currency exchange?

Background on The Bank

Who owns Capital Bank?

How long has Capital Bank been around?

Can Capital Bank transfer to other banks?

Does Capital Bank have quick pay?

Does Capital Bank accept rolled coins?

Will Capital Bank accept loose change?

Where is Capital Bank headquarters?

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