109 Montague Street
Greenwood, SC 29648


General Bank Information

FDIC Insured Yes
FDIC Certificate # 27426
Date Established 1989
Assets $0.63 billion
Loans $0.42 billion
Deposits $0.47 billion
Capital $0.06 billion

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

For a more detailed analysis of CapitalBank'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 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

Loan Rates

Your Current Location: Virginia, VA 20146

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 - Virginia 30 Year Fixed Mortgage Rates 2018

Lender APR Rate (%) Points Fees Monthly
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AmeriSave Mortgage Corporation
NMLS ID: 1168
4.553% 4.500% 0.13 $1,550 $1,267 Learn More
AmeriSave Mortgage Corporation
NMLS ID: 1168
License#: MC-2462
4.544% 4.500% 0.00 $1,305 $1,267 Learn More NMLS#2890
NMLS ID: 2890
License#: MC-3098
4.320% 4.250% 0.38 $2,190 $1,230 Learn More
PenFed Credit Union
NMLS ID: 401822
4.459% 4.375% 0.00 $2,500 $1,249 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Flagstar Bank 5.490% $283.58 Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.990% $238.42 Learn More

Note to CapitalBank
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CapitalBank 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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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% 8.32%

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 September 30, 2017, 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% 8.84%

CapitalBank has a Return on Equity of 5.01% versus the BestCashCow average of 8.84%. 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% 12.21%

CapitalBank has a Capitalization of 9.51% versus the BestCashCow average of 12.21. 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

Cash & Balances due from depository institutions $0.00 billion
Interest-bearing balances $0.00 billion
Total securities $0.00 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.42 billion
Loan loss allowance $0.01 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.01 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.00 billion
Total deposits $0.47 billion
      Interest-bearing deposits $0.00 billion
      Deposits held in domestic offices $0.00 billion
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.00 billion
      Shareholders’ Equity $0.63 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 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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