Capital Community Bank

Headquarters

3280 N University Ave
Provo, UT 84604
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 5.55% →
1-Year CD N.A. 5.41% →
2-Year CD N.A. 5.00% →
5-Year CD N.A. 4.55% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 0.99% →

2024 Overview

General Bank Information

Capital Community Bank is an FDIC insured institution located in Provo, UT. It was founded in 1993 and has approximately $0.87 billion in assets. Customers can open an account at one of its 5 branches.

FDIC Insured Yes
FDIC Certificate # 33823
Date Established 1993
Assets $ 871.06 million
Loans $ 724.52 million
Deposits $ 732.53 million
Capital $ 127.27 million
 

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.

Deposit Rates - April 17, 2024

Your Current Location: Ohio, OH 43085

Online Only CD Rates of Limelight Bank, A division of Capital Community Bank

Online CD Rates APY MIN MAX
6 Month CD
4.50% $1,000 - Learn More
12-Month CD
5.20% $1,000 - Learn More
18-Month CD
4.75% $1,000 - Learn More
36 Month Online CD
4.05% $1,000 - Learn More

Bank Online Offers


Loan Rates - April 17, 2024

Your Current Location: Ohio, OH 43085

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 - Ohio 30 Year Fixed Mortgage Rates 2024

Lender APR Rate (%) Monthly
Payment
Learn More
District Lending
NMLS ID: 1835285
6.698% 6.625%
0.75 points
$2,403 fees
$2,049 Learn More
MortgageResearch.com
NMLS ID: Not a Lender

points
fees
Learn More
Neighbors Bank
NMLS ID: 491986

points
fees
Learn More
FHAloans.com
NMLS ID: Not a Lender

points
fees
Learn More

Featured - Ohio Home Equity Line Of Credit Rates 2024

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
7.490 %
$0 Learn More
More Info

Note to Capital Community Bank
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Branches

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.

Your Location:
Columbus,Ohio


Capital Community Bank Locations



Climate Policy and Initiatives

Capital Community Bank is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.


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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 BestCashCow.com 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
9.32% 3.96%

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 December 31, 2024, Capital Community Bank had $13,434,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $127,266,000 in equity and $16,893,000 in loans loss reserves. That gives it a Texas Ratio of 9.32%.

Return on Equity
Capital Community Bank U.S. Bank Average
23.48% 12.20%

Capital Community Bank has a Return on Equity of 23.48% versus the BestCashCow average of 12.20%. 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 Community Bank U.S. Bank Average
14.61% 10.76%

Capital Community Bank has a Capitalization of 14.61% versus the BestCashCow average of 10.76. 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 December 31, 2023, Capital Community Bank had assets of $871,058,000, loans of $724,515,000, and deposits of $732,532,000. 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

December 31, 2024
ASSETS
Cash & Balances due from depository institutions $ 66.77 million
Interest-bearing balances $ 48.73 million
Total securities $ 33.00 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 724.52 million
Loan loss allowance $ 16.89 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 24.37 million
     Total Assets $ 743.79 million
LIABILITIES
Total deposits $ 732.53 million
      Interest-bearing deposits $ 625.78 million
      Deposits held in domestic offices $ 732.53 million
      % insured (estimated) 66.95%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 36.03 million
Subordinated debt N.A.
All other liabilities $ 12.82 million
      Total Liabilities $ 743.79 million
      Shareholders’ Equity $ 127.27 million

Summary Income Statement

December 31, 2024
INCOME AND EXPENSES
Total Interest Income $ 98.51 million
Total Interest Expense $ 15.29 million
Net interest income $ 83.22 million
Provision for loan and lease losses $ 21.25 million
Total non interest income $ 12.44 million
Total non interest expense $ 40.15 million
Pre-tax Net Operating Income $ 13.40 million

Bank Loan Profile?

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

Compared to other banks in Utah, Capital Community Bank 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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 1.91
Multifamily
Mortgages
5.72
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 7.86
Construction and Development Loans 10.98
Commercial Real Estate 25.17
Commercial and Industrial Loans 12.09
Farm Loans 0.00

Customer Reviews for Capital Community Bank


  • April 27, 2023

    have had 3 cd accounts. all interactions with instructions for disposition of funds were never exactly enacted as discussed and requests for confirmatory emails never sent with details as terms discussed. I accepted responsibility for miscommunications for first CD screw up but I had the same issues with subsequent CD accounts and in one phone conversation the representative said they had had some problems with previous employees who no longer worked there. if you have any banking business with Limelight I suggest getting ALL details in writing before committing funds.

  • March 4, 2021

    They are liers. Please don't open their credit cards to avoid being taking advantage of!!! I hope they bankrupt SOOOOOON.

  • February 5, 2020 |

    This company refused me any information regarding my loan. They even sent an email saying I had paid off in full despite never having made a payment. I immediately called and was told that I could do nothing since I had paid in full. No amount of arguing with two reps would change this. I finally tracked down a method of payment but never received information for tax purposes or loan installments. I only heard from CC Bank after the initial period of deferred interest and was charged a late fee despite never receiving a statement or acknowledgement of what I already paid. They are frauds and I would never want anyone to go through what I am going through now. They are dishonest to the core. They have also locked me out of online access to my account and ignored requests that I receive paper documentation.

  • February 5, 2020

    This company refused me any information regarding my loan. They even sent an email saying I had paid off in full despite never having made a payment. I immediately called and was told that I could do nothing since I had paid in full. No amount of arguing with two reps would change this. I finally tracked down a method of payment but never received information for tax purposes or loan installments. I only heard from CC Bank after the initial period of deferred interest and was charged a late fee despite never receiving a statement or acknowledgement of what I already paid. They are frauds and I would never want anyone to go through what I am going through now. They are dishonest to the core. They have also locked me out of online access to my account and ignored requests that I receive paper documentation.


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