Capital Bank, SSB


201 E. Main Street, Third Floor
El Paso, TX 79901
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Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.70% →
2-Year CD N.A. 0.75% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

Capital Bank, SSB is an FDIC insured institution located in El Paso, TX. It was founded in 1999 and has approximately $0.36 billion in assets. Customers can open an account at one of its 2 branches.

FDIC Insured Yes
FDIC Certificate # 35322
Date Established 1999
Assets $ 363.47 million
Loans $ 277.45 million
Deposits $ 281.14 million
Capital $ 36.30 million

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

Deposit Rates - September 18, 2021

Your Current Location: Connecticut, CT 06828


Loan Rates - September 18, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Capital Bank, SSB

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

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3.475% 3.375%
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Note to Capital Bank, SSB
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Financial Details

Capital Bank, SSB Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Capital Bank, SSB. 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, SSB U.S. Bank Average
2.39% 5.29%

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, 2021, Capital Bank, SSB had $464,000 in non-current loans and $471,000 in owned real estate. To cover these potential losses it had $36,296,000 in equity and $2,866,000 in loans loss reserves. That gives it a Texas Ratio of 2.39%.

Return on Equity
Capital Bank, SSB U.S. Bank Average
9.64% 11.43%

Capital Bank, SSB has a Return on Equity of 9.64% versus the BestCashCow average of 11.43%. 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, SSB U.S. Bank Average
9.99% 11.51%

Capital Bank, SSB has a Capitalization of 9.99% versus the BestCashCow average of 11.51. 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, SSB Balance Sheet Analysis

As of March 31, 2017, Capital Bank, SSB had assets of $363,471,000, loans of $277,446,000, and deposits of $281,144,000. 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, 2021
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 277.45 million
Loan loss allowance $ 2.87 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.47 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
Total deposits $ 281.14 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 363.47 million

Summary Income Statement

March 31, 2021
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

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

Compared to other banks in Texas, Capital Bank, SSB has a significantly higher percent of Multifamily Mortgages 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 6.89
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 13.45
Commercial Real Estate 40.02
Commercial and Industrial Loans 31.00
Farm Loans 0.00

Frequently Asked Questions About Capital Bank, Ssb

Branches and Savings

Is Capital Bank, Ssb FDIC insured?

Yes. It is covered under FDIC Certificate #35322.

Why does Capital Bank, Ssb 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, Ssb CD rates not competitive?

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

Is Capital Bank, Ssb a commercial bank?


Where are Capital Bank, Ssb locations?

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Does Capital Bank, Ssb Report to credit bureaus?

Does Capital Bank, Ssb Use Equifax?

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What is Capital Bank, Ssb's SWIFT code?


Does Capital Bank, Ssb offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Capital Bank, Ssb offer personal loans?

Compare personal loan rates here.

Does Capital Bank, Ssb offer student loans?

Will Capital Bank, Ssb cash a check?

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Background on The Bank

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Does Capital Bank, Ssb have quick pay?

Does Capital Bank, Ssb accept rolled coins?

Will Capital Bank, Ssb accept loose change?

Where is Capital Bank, Ssb headquarters?

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