Capital West Bank


2020 Grand Ave
Laramie, WY 82070
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Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.80% →
2-Year CD N.A. 0.80% →
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 West Bank is an FDIC insured institution located in Laramie, WY. It was founded in 1964 and has approximately $0.16 billion in assets.

FDIC Insured Yes
FDIC Certificate # 19266
Date Established 1964
Assets $ 162.14 million
Loans $ 104.31 million
Deposits $ 140.55 million
Capital $ 20.01 million

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

Deposit Rates - September 23, 2021

Your Current Location: California, CA 92111


Loan Rates - September 23, 2021

Your Current Location: California, CA 92111

There are currently no loan rates available for Capital West Bank

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

Featured - California 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Learn More
CashCall Mortgage
NMLS ID: 128231
2.914% 2.875%
0.50 points
$1,250 fees
$1,038 Learn More

Featured - California Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
BMO Harris Bank
BMO Harris Bank
See Table
Intro APR 1.790 %
After Intro: 4.840 %
Intro Period: 6 months
$0 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

Note to Capital West Bank
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Capital West 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:
San Diego,California

Capital West Bank Locations

Financial Details

Capital West Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Capital West 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 West Bank U.S. Bank Average
1.25% 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 West Bank had $268,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $20,012,000 in equity and $1,478,000 in loans loss reserves. That gives it a Texas Ratio of 1.25%.

Return on Equity
Capital West Bank U.S. Bank Average
7.34% 11.43%

Capital West Bank has a Return on Equity of 7.34% 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 West Bank U.S. Bank Average
12.34% 11.51%

Capital West Bank has a Capitalization of 12.34% 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 West Bank Balance Sheet Analysis

As of September 30, 2014, Capital West Bank had assets of $162,141,000, loans of $104,306,000, and deposits of $140,548,000. 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 $ 104.31 million
Loan loss allowance $ 1.48 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 N.A.
     Total Assets N.A.
Total deposits $ 140.55 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 $ 162.14 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 West Bank’s loan portfolio are Commercial Real Estate, Small Business Loans, and Commercial and Industrial Loans.

Compared to other banks in Wyoming, Capital West Bank has a significantly higher percent of Multifamily Mortgages, Small Business Loans, Commercial Real Estate 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 13.57
Credit Card Loans 0.00
Consumer Auto Loans 0.49
Small Business Loans 22.58
Construction and Development Loans 10.56
Commercial Real Estate 55.68
Commercial and Industrial Loans 14.71
Farm Loans 0.03

Frequently Asked Questions About Capital West Bank

Branches and Savings

Is Capital West Bank FDIC insured?

Yes. It is covered under FDIC Certificate #19266.

Why does Capital West 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 West Bank CD rates not competitive?

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

Is Capital West Bank a commercial bank?


Where are Capital West Bank locations?

See branch locations nearby.

Is Capital West Bank open on Saturdays?

Is Capital West Bank open on Sundays?

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What time does Capital West Bank close?

Are Capital West Bank ATMs Open 24/7?

Do Capital West Bank ATMs accept cash deposits?

Can Capital West Bank customers use other ATMs?

Do Capital West Bank branches have notaries?

Will Capital West Bank notarize my document?

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

Will the Capital West Bank branch print checks?

Do Capital West Bank checks expire?

Does Capital West Bank require US citizenship to open account?

Can Capital West Bank close my account?

Does Capital West Bank Report to credit bureaus?

Does Capital West Bank Use Equifax?

What is Capital West Bank's ACH Routing Number?

What is Capital West Bank's SWIFT code?


Does Capital West Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Capital West Bank offer personal loans?

Compare personal loan rates here.

Does Capital West Bank offer student loans?

Will Capital West Bank cash a check?

Will Capital West Bank redeem a savings bond?

Does Capital West Bank cash savings bonds?

Will Capital West Bank cash money orders?

Can Capital West Bank issue a money order?

Does Capital West Bank do currency exchange?

Background on The Bank

Who owns Capital West Bank?

How long has Capital West Bank been around?

Can Capital West Bank transfer to other banks?

Does Capital West Bank have quick pay?

Does Capital West Bank accept rolled coins?

Will Capital West Bank accept loose change?

Where is Capital West Bank headquarters?

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