Capital Bank, National Association

Headquarters

One Church Street
Rockville, MD 20850
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.05% 1.40% →
1-Year CD 0.80% 1.15% →
2-Year CD 0.90% 1.26% →
5-Year CD 1.21% 1.56% →
30-Year Mortgage N.A. 3.09% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.77% →

2020 Overview

General Bank Information

Capital Bank, National Association is an FDIC insured institution located in Rockville, MD. It was founded in 1999 and has approximately $1.47 billion in assets. Customers can open an account at one of its 5 branches.

FDIC Insured Yes
FDIC Certificate # 35278
Date Established 1999
Assets $ 1,474.70 million
Loans $ 1,214.88 million
Deposits $ 1,303.74 million
Capital $ 118.40 million
 

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

Deposit Rates - July 11, 2020

Your Current Location: Washington, WA 98109

Savings and Money Market Rates APY MIN MAX
Savings
0.05% $100 - Learn More
Money Market
0.05% $1,000 $24,999 Learn More
Money Market
0.05% $25,000 $99,999 Learn More
CD Rates APY MIN MAX
3 Mo CD
0.40% $500 - Learn More
6 Mo CD
0.40% $500 - Learn More
12 Mo CD
0.80% $500 - Learn More
24 Mo CD
0.90% $500 - Learn More
36 Mo CD
1.11% $500 - Learn More
48 Mo CD
1.11% $500 - Learn More
60 Mo CD
1.21% $500 - Learn More

Fixed IRA Rates APY MIN MAX
Fixed IRA
0.80% $1,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
0.05% $100 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1,000 $149,000 Learn MoreShow Less

Loan Rates - July 11, 2020

Your Current Location: Washington, WA 98109

There are currently no loan rates available for Capital Bank, National Association

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




Featured - Washington 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 520-CL-25944
2.950% 2.875% 1.00 $2,438 $1,038 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More

Note to Capital Bank, National Association
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Branches

Capital Bank, National Association 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:
Seattle,Washington


Capital Bank, National Association Locations


Financial Details

Capital Bank, National Association Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Capital Bank, National Association. 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, National Association U.S. Bank Average
5.89% 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, National Association had $5,482,000 in non-current loans and $2,384,000 in owned real estate. To cover these potential losses it had $118,403,000 in equity and $15,205,000 in loans loss reserves. That gives it a Texas Ratio of 5.89%.

Return on Equity
Capital Bank, National Association U.S. Bank Average
9.54% 7.80%

Capital Bank, National Association has a Return on Equity of 9.54% 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, National Association U.S. Bank Average
8.03% 12.68%

Capital Bank, National Association has a Capitalization of 8.03% 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, National Association Balance Sheet Analysis

As of March 31, 2020, Capital Bank, National Association had assets of $1,474,696,000, loans of $1,214,880,000, and deposits of $1,303,741,000. 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 $ 174.82 million
Interest-bearing balances $ 165.29 million
Total securities $ 59.52 million
Federal funds sold and reverse repurchase $ 0.05 million
Net loans and leases $ 1,214.88 million
Loan loss allowance $ 15.21 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 2.38 million
Goodwill and other intangibles N.A.
All other assets $ 17.74 million
     Total Assets $ 1,356.29 million
LIABILITIES
Total deposits $ 1,303.74 million
      Interest-bearing deposits $ 939.49 million
      Deposits held in domestic offices $ 1,303.74 million
      % insured (estimated) 47.73%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 32.92 million
Subordinated debt N.A.
All other liabilities $ 19.63 million
      Total Liabilities $ 1,356.29 million
      Shareholders’ Equity $ 118.40 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 21.18 million
Total Interest Expense $ 3.78 million
Net interest income $ 17.40 million
Provision for loan and lease losses $ 2.41 million
Total non interest income $ 6.58 million
Total non interest expense $ 17.75 million
Pre-tax Net Operating Income $ 3.82 million

Bank Loan Profile?

The top three loan types in Capital Bank, National Association’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Construction and Development Loans.

Compared to other banks in Maryland, Capital Bank, National Association has a significantly higher percent of Multifamily Mortgages, Credit Card Loans, Small Business Loans, 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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 34.90
Multifamily
Mortgages
7.05
Credit Card Loans 3.30
Consumer Auto Loans 0.00
Small Business Loans 8.26
Construction and Development Loans 15.63
Commercial Real Estate 27.78
Commercial and Industrial Loans 12.49
Farm Loans 0.00

Frequently Asked Questions About Capital Bank, National Association

Branches and Savings

Is Capital Bank, National Association FDIC insured?

Yes. It is covered under FDIC Certificate #35278.

Why does Capital Bank, National Association 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, National Association CD rates not competitive?

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

Is Capital Bank, National Association a commercial bank?

Yes

Where are Capital Bank, National Association locations?

See branch locations nearby.

Is Capital Bank, National Association open on Saturdays?

Is Capital Bank, National Association open on Sundays?

What time does Capital Bank, National Association open?

What time does Capital Bank, National Association close?

Are Capital Bank, National Association ATMs Open 24/7?

Do Capital Bank, National Association ATMs accept cash deposits?

Can Capital Bank, National Association customers use other ATMs?

Do Capital Bank, National Association branches have notaries?

Will Capital Bank, National Association notarize my document?

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

Will the Capital Bank, National Association branch print checks?

Do Capital Bank, National Association checks expire?

Does Capital Bank, National Association require US citizenship to open account?

Can Capital Bank, National Association close my account?

Does Capital Bank, National Association Report to credit bureaus?

Does Capital Bank, National Association Use Equifax?

What is Capital Bank, National Association's ACH Routing Number?

What is Capital Bank, National Association's SWIFT code?

Products

Does Capital Bank, National Association offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Capital Bank, National Association offer personal loans?

Compare personal loan rates here.

Does Capital Bank, National Association offer student loans?

Will Capital Bank, National Association cash a check?

Will Capital Bank, National Association redeem a savings bond?

Does Capital Bank, National Association cash savings bonds?

Will Capital Bank, National Association cash money orders?

Can Capital Bank, National Association issue a money order?

Does Capital Bank, National Association do currency exchange?

Background on The Bank

Who owns Capital Bank, National Association?

How long has Capital Bank, National Association been around?

Can Capital Bank, National Association transfer to other banks?

Does Capital Bank, National Association have quick pay?

Does Capital Bank, National Association accept rolled coins?

Will Capital Bank, National Association accept loose change?

Where is Capital Bank, National Association headquarters?

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