Capital Bank, SSB

201 E. Main Street, Third Floor
El Paso, TX 79901

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 35322
Date Established 1999
Assets $0.36 billion
Loans $0.28 billion
Deposits $0.28 billion
Capital $0.04 billion

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 4 branches.

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.

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

Savings Rates

Your Current Location: Virginia, VA 20146

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


Loan Rates

Your Current Location: Virginia, VA 20146

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 - Virginia 30 Year Fixed Mortgage Rates 2017

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Cornerstone Home Lending
NMLS ID: 119622
License#: MC-4673
4.000% 4.000% 0.00 $0 $1,194 Learn More
PenFed Credit Union
NMLS ID: 401822
3.957% 3.875% 0.00 $2,500 $1,176 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, 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:
Ashburn,Virginia


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% 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, 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%. 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, SSB U.S. Bank Average
9.64% 8.58

Capital Bank, SSB has a Return on Equity of 9.64% 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.

Capitalization
Capital Bank, SSB U.S. Bank Average
9.99% 12.11

Capital Bank, SSB has a Capitalization of 9.99% 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, 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.

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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