Capital Bank and Trust Company

Headquarters

6455 Irvine Center Drive
Irvine, CA 92618
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.91% →
1-Year CD N.A. 0.85% →
2-Year CD N.A. 0.95% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.61% →
15-Year Mortgage N.A. 2.31% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Capital Bank and Trust Company is an FDIC insured institution located in Irvine, CA. It was founded in 2000 and has approximately $0.2 billion in assets. Customers can open an account at one of its 2 branches.

FDIC Insured Yes
FDIC Certificate # 35164
Date Established 2000
Assets $ 203.71 million
Loans N.A.
Deposits $ 0.50 million
Capital $ 119.74 million
 

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

Deposit Rates - December 2, 2020

Your Current Location: Connecticut, CT 06828

 

Loan Rates - December 2, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Capital Bank and Trust Company

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




Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

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Payment
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First Internet Bank
NMLS ID: 424182
2.548% 2.500% 0.63 $1,572 $988 Learn More
AmeriSave Mortgage Corporation
NMLS ID: 1168
2.583% 2.500% 0.88 $2,728 $988 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
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2.240 %
$0 Learn More
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People's United Bank, N.A.
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4.000 %
$0 Learn More
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Note to Capital Bank and Trust Company
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Branches

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

Your Location:
Fairfield,Connecticut


Capital Bank and Trust Company Locations


Financial Details

Capital Bank and Trust Company Ratio Analysis

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

Texas Ratio
Capital Bank and Trust Company U.S. Bank Average
0% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2020, Capital Bank and Trust Company had $0 in non-current loans and $0 in owned real estate. To cover these potential losses it had $119,738,000 in equity and $0 in loans loss reserves. That gives it a Texas Ratio of 0%.

Return on Equity
Capital Bank and Trust Company U.S. Bank Average
39.26% 7.80%

Capital Bank and Trust Company has a Return on Equity of 39.26% versus the BestCashCow average of 7.80%. 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.

Capitalization
Capital Bank and Trust Company U.S. Bank Average
58.78% 12.68%

Capital Bank and Trust Company has a Capitalization of 58.78% versus the BestCashCow average of 12.68. 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 and Trust Company Balance Sheet Analysis

As of March 31, 2020, Capital Bank and Trust Company had assets of $203,712,000, loans of $0, and deposits of $500,000. 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.

Summary Balance Sheet

March 31, 2020
ASSETS
Cash & Balances due from depository institutions $ 0.14 million
Interest-bearing balances $ 0.14 million
Total securities $ 131.51 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases N.A.
Loan loss allowance N.A.
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 57.13 million
     Total Assets $ 83.97 million
LIABILITIES
Total deposits $ 0.50 million
      Interest-bearing deposits $ 0.50 million
      Deposits held in domestic offices $ 0.50 million
      % insured (estimated) 50.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 83.47 million
      Total Liabilities $ 83.97 million
      Shareholders’ Equity $ 119.74 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 0.86 million
Total Interest Expense N.A.
Net interest income $ 0.86 million
Provision for loan and lease losses N.A.
Total non interest income $ 76.29 million
Total non interest expense $ 62.32 million
Pre-tax Net Operating Income $ 14.83 million

Bank Loan Profile?

The top three loan types in Capital Bank and Trust Company’s loan portfolio are 1-4 Family Residential Loans, Multifamily Mortgages, and Credit Card Loans.

Compared to other banks, Capital Bank and Trust Company’s loan portfolio does not show any specific loan specialty.

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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans nan
Multifamily
Mortgages
nan
Credit Card Loans nan
Consumer Auto Loans nan
Small Business Loans nan
Construction and Development Loans nan
Commercial Real Estate nan
Commercial and Industrial Loans nan
Farm Loans nan

Frequently Asked Questions About Capital Bank And Trust Company

Branches and Savings

Is Capital Bank And Trust Company FDIC insured?

Yes. It is covered under FDIC Certificate #35164.

Why does Capital Bank And Trust Company 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 And Trust Company CD rates not competitive?

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

Is Capital Bank And Trust Company a commercial bank?

Yes

Where are Capital Bank And Trust Company locations?

See branch locations nearby.

Is Capital Bank And Trust Company open on Saturdays?

Is Capital Bank And Trust Company open on Sundays?

What time does Capital Bank And Trust Company open?

What time does Capital Bank And Trust Company close?

Are Capital Bank And Trust Company ATMs Open 24/7?

Do Capital Bank And Trust Company ATMs accept cash deposits?

Can Capital Bank And Trust Company customers use other ATMs?

Do Capital Bank And Trust Company branches have notaries?

Will Capital Bank And Trust Company notarize my document?

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

Will the Capital Bank And Trust Company branch print checks?

Do Capital Bank And Trust Company checks expire?

Does Capital Bank And Trust Company require US citizenship to open account?

Can Capital Bank And Trust Company close my account?

Does Capital Bank And Trust Company Report to credit bureaus?

Does Capital Bank And Trust Company Use Equifax?

What is Capital Bank And Trust Company's ACH Routing Number?

What is Capital Bank And Trust Company's SWIFT code?

Products

Does Capital Bank And Trust Company offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Capital Bank And Trust Company offer personal loans?

Compare personal loan rates here.

Does Capital Bank And Trust Company offer student loans?

Will Capital Bank And Trust Company cash a check?

Will Capital Bank And Trust Company redeem a savings bond?

Does Capital Bank And Trust Company cash savings bonds?

Will Capital Bank And Trust Company cash money orders?

Can Capital Bank And Trust Company issue a money order?

Does Capital Bank And Trust Company do currency exchange?

Background on The Bank

Who owns Capital Bank And Trust Company?

How long has Capital Bank And Trust Company been around?

Can Capital Bank And Trust Company transfer to other banks?

Does Capital Bank And Trust Company have quick pay?

Does Capital Bank And Trust Company accept rolled coins?

Will Capital Bank And Trust Company accept loose change?

Where is Capital Bank And Trust Company headquarters?

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