109 Montague Street
Greenwood, SC 29648
See all branch locations →

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

CapitalBank is an FDIC insured institution located in Greenwood, SC. It was founded in 1989 and has approximately $0.63 billion in assets.

FDIC Insured Yes
FDIC Certificate # 27426
Date Established 1989
Assets $ 628.99 million
Loans $ 421.16 million
Deposits $ 467.38 million
Capital $ 59.84 million

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

Deposit Rates - September 27, 2021

Your Current Location: Connecticut, CT 06828


Loan Rates - September 27, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for CapitalBank

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 2021

Lender APR Rate (%) Monthly
Learn More
Rocket Mortgage
NMLS ID: 3030
3.465% 3.375%
0.63 points
$2,812 fees
$1,106 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
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 CapitalBank
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CapitalBank Locations

Financial Details

CapitalBank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of CapitalBank. 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
CapitalBank U.S. Bank Average
60.44% 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, CapitalBank had $30,483,000 in non-current loans and $13,894,000 in owned real estate. To cover these potential losses it had $59,838,000 in equity and $13,583,000 in loans loss reserves. That gives it a Texas Ratio of 60.44%.

Return on Equity
CapitalBank U.S. Bank Average
5.01% 11.43%

CapitalBank has a Return on Equity of 5.01% 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.

CapitalBank U.S. Bank Average
9.51% 11.51%

CapitalBank has a Capitalization of 9.51% 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.

CapitalBank Balance Sheet Analysis

As of September 30, 2011, CapitalBank had assets of $628,994,000, loans of $421,157,000, and deposits of $467,380,000. 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 $ 421.16 million
Loan loss allowance $ 13.58 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 13.89 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
Total deposits $ 467.38 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 $ 628.99 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 CapitalBank’s loan portfolio are 1-4 Family Residential Loans, Multifamily Mortgages, and Credit Card Loans.

Compared to other banks, CapitalBank’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 0.00
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 0.00
Commercial Real Estate 0.00
Commercial and Industrial Loans 0.00
Farm Loans 0.00

Frequently Asked Questions About Capitalbank

Branches and Savings

Is Capitalbank FDIC insured?

Yes. It is covered under FDIC Certificate #27426.

Why does Capitalbank pay such low interest on savings accounts?

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

Why are Capitalbank CD rates not competitive?

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

Is Capitalbank a commercial bank?


Where are Capitalbank locations?

See branch locations nearby.

Is Capitalbank open on Saturdays?

Is Capitalbank open on Sundays?

What time does Capitalbank open?

What time does Capitalbank close?

Are Capitalbank ATMs Open 24/7?

Do Capitalbank ATMs accept cash deposits?

Can Capitalbank customers use other ATMs?

Do Capitalbank branches have notaries?

Will Capitalbank notarize my document?

What address for Capitalbank should I put for incoming ACH transfers?

Will the Capitalbank branch print checks?

Do Capitalbank checks expire?

Does Capitalbank require US citizenship to open account?

Can Capitalbank close my account?

Does Capitalbank Report to credit bureaus?

Does Capitalbank Use Equifax?

What is Capitalbank's ACH Routing Number?

What is Capitalbank's SWIFT code?


Does Capitalbank offer mortgages?

Compare mortgage rates here.

Does Capitalbank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Capitalbank offer personal loans?

Compare personal loan rates here.

Does Capitalbank offer student loans?

Will Capitalbank cash a check?

Will Capitalbank redeem a savings bond?

Does Capitalbank cash savings bonds?

Will Capitalbank cash money orders?

Can Capitalbank issue a money order?

Does Capitalbank do currency exchange?

Background on The Bank

Who owns Capitalbank?

How long has Capitalbank been around?

Can Capitalbank transfer to other banks?

Does Capitalbank have quick pay?

Does Capitalbank accept rolled coins?

Will Capitalbank accept loose change?

Where is Capitalbank headquarters?

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