Capital Bank, SSB

Headquarters

201 E. Main Street, Third Floor
El Paso, TX 79901
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.95% →
1-Year CD N.A. 1.01% →
2-Year CD N.A. 0.95% →
5-Year CD N.A. 2.25% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 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 - October 22, 2020

Your Current Location: Connecticut, CT 06828


Loan Rates - October 22, 2020

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:




Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

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3.620% 3.500% 1.00 $3,750 $1,123 Learn More
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License#: 13256
2.570% 2.500% 0.88 $2,312 $988 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

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Note to Capital Bank, SSB
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Branches

Capital Bank, SSB 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, SSB Locations


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 BestCashCow.com 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% 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, 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% 7.80%

Capital Bank, SSB has a Return on Equity of 9.64% 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, SSB U.S. Bank Average
9.99% 12.68%

Capital Bank, SSB has a Capitalization of 9.99% 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, 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, 2020
ASSETS
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.
LIABILITIES
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, 2020
INCOME AND EXPENSES
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, Commercial and Industrial 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 6.89
Multifamily
Mortgages
4.48
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?

Yes

Where are Capital Bank, Ssb locations?

See branch locations nearby.

Is Capital Bank, Ssb open on Saturdays?

Is Capital Bank, Ssb open on Sundays?

What time does Capital Bank, Ssb open?

What time does Capital Bank, Ssb close?

Are Capital Bank, Ssb ATMs Open 24/7?

Do Capital Bank, Ssb ATMs accept cash deposits?

Can Capital Bank, Ssb customers use other ATMs?

Do Capital Bank, Ssb branches have notaries?

Will Capital Bank, Ssb notarize my document?

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

Will the Capital Bank, Ssb branch print checks?

Do Capital Bank, Ssb checks expire?

Does Capital Bank, Ssb require US citizenship to open account?

Can Capital Bank, Ssb close my account?

Does Capital Bank, Ssb Report to credit bureaus?

Does Capital Bank, Ssb Use Equifax?

What is Capital Bank, Ssb's ACH Routing Number?

What is Capital Bank, Ssb's SWIFT code?

Products

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?

Will Capital Bank, Ssb redeem a savings bond?

Does Capital Bank, Ssb cash savings bonds?

Will Capital Bank, Ssb cash money orders?

Can Capital Bank, Ssb issue a money order?

Does Capital Bank, Ssb do currency exchange?

Background on The Bank

Who owns Capital Bank, Ssb?

How long has Capital Bank, Ssb been around?

Can Capital Bank, Ssb transfer to other banks?

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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