Capital Community Bank

3280 North University Avenue
Provo, UT 84604


2018 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 33823
Date Established 1993
Assets $0.34 billion
Loans $0.29 billion
Deposits $0.28 billion
Capital $0.04 billion

Capital Community Bank is an FDIC insured institution located in Provo, UT. It was founded in 1993 and has approximately $0.34 billion in assets. Customers can open an account at one of its 5 branches.

For a more detailed analysis of Capital Community Bank'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 Community Bank’s loan portfolio are Commercial Real Estate, Construction and Development Loans, and Commercial and Industrial Loans.

Compared to other banks, Capital Community Bank’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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 2.47
Credit Card Loans 0.00
Consumer Auto Loans 0.31
Small Business Loans 0.00
Construction and Development Loans 10.61
Commercial Real Estate 32.12
Commercial and Industrial Loans 7.31
Farm Loans 0.00

Deposit Rates - September 22, 2018

Your Current Location: Virginia, VA 20146

0.45% $1,000 $99,999 Learn MoreShow Less
3 Mo CD 100K
0.50% $100,000 - Learn MoreShow Less
0.55% $100,000 $9,999,999 Learn MoreShow Less
0.75% $1,000 $99,999 Learn MoreShow Less
6 Mo CD 100K
0.70% $100,000 - Learn MoreShow Less
0.85% $100,000 $9,999,999 Learn MoreShow Less
Savings Rates APY MIN MAX
1.50% $25 $9,999,999 Learn MoreShow Less
Fixed IRA 0K
1.00% $25 - Learn MoreShow Less
0.35% $1 $19,999 Learn MoreShow Less
0.40% $20,000 $49,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.10% $25 - Learn MoreShow Less

Loan Rates - September 22, 2018

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Capital Community Bank

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 2018

Lender APR Rate (%) Points Fees Monthly
Learn More NMLS#2890
NMLS ID: 2890
License#: MC-3098
4.544% 4.500% 0.13 $1,400 $1,267 Learn More
PenFed Credit Union
NMLS ID: 401822
4.836% 4.750% 0.00 $2,500 $1,305 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.990% $238.42 Learn More
Flagstar Bank 5.740% $291.47 Learn More

Note to Capital Community Bank
To upload and update your bank's rates please register. It is free to register and add rates.


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

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Capital Community Bank Locations

Financial Details

Capital Community Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Capital Community Bank. 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 Community Bank U.S. Bank Average
5.22% 7.92%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s 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, 2018, Capital Community Bank had $669,000 in non-current loans and $1,535,000 in owned real estate. To cover these potential losses it had $39,038,000 in equity and $3,167,000 in loans loss reserves. That gives it a Texas Ratio of 5.22%.

Return on Equity
Capital Community Bank U.S. Bank Average
3.63% 9.35%

Capital Community Bank has a Return on Equity of 3.63% versus the BestCashCow average of 9.35%. 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 Community Bank U.S. Bank Average
11.59% 12.01%

Capital Community Bank has a Capitalization of 11.59% versus the BestCashCow average of 12.01. 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 Community Bank Balance Sheet Analysis

As of March 31, 2018, Capital Community Bank had assets of $336,922,000, loans of $285,300,000, and deposits of $281,507,000. 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

Cash & Balances due from depository institutions $0.04 billion
Interest-bearing balances $0.04 billion
Total securities $0.00 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.29 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.01 billion
     Total Assets $0.30 billion
Total deposits $0.28 billion
      Interest-bearing deposits $0.23 billion
      Deposits held in domestic offices $0.28 billion
      % insured (estimated) 84.59%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.02 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.30 billion
      Shareholders’ Equity $0.04 billion

Summary Income Statement

Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $-0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Frequently Asked Questions About Capital Community Bank

Branches and Savings

Is Capital Community Bank FDIC insured?

Yes. It is covered under FDIC Certificate #33823.

Why does Capital Community Bank pay such low interest on savings accounts?

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

Why are Capital Community Bank CD rates not competitive?

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

Is Capital Community Bank a commercial bank?


Where are Capital Community Bank locations?

See branch locations nearby.

Is Capital Community Bank open on Saturdays?

Is Capital Community Bank open on Sundays?

What time does Capital Community Bank open?

What time does Capital Community Bank close?

Are Capital Community Bank ATMs Open 24/7?

Do Capital Community Bank ATMs accept cash deposits?

Can Capital Community Bank customers use other ATMs?

Do Capital Community Bank branches have notaries?

Will Capital Community Bank notarize my document?

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

Will the Capital Community Bank branch print checks?

Do Capital Community Bank checks expire?

Does Capital Community Bank require US citizenship to open account?

Can Capital Community Bank close my account?

Does Capital Community Bank Report to credit bureaus?

Does Capital Community Bank Use Equifax?

What is Capital Community Bank's ACH Routing Number?

What is Capital Community Bank's SWIFT code?


Does Capital Community Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Capital Community Bank offer personal loans?

Compare personal loan rates here.

Does Capital Community Bank offer student loans?

Will Capital Community Bank cash a check?

Will Capital Community Bank redeem a savings bond?

Does Capital Community Bank cash savings bonds?

Will Capital Community Bank cash money orders?

Can Capital Community Bank issue a money order?

Does Capital Community Bank do currency exchange?

Background on The Bank

Who owns Capital Community Bank?

How long has Capital Community Bank been around?

Can Capital Community Bank transfer to other banks?

Does Capital Community Bank have quick pay?

Does Capital Community Bank accept rolled coins?

Will Capital Community Bank accept loose change?

Where is Capital Community Bank headquarters?

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