CapitalMark Bank & Trust


801 Broad Street
Chattanooga, TN 37402
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Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.75% →
2-Year CD N.A. 0.80% →
5-Year CD N.A. 1.25% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

CapitalMark Bank & Trust is an FDIC insured institution located in Chattanooga, TN. It was founded in 2007 and has approximately $1.05 billion in assets.

FDIC Insured Yes
FDIC Certificate # 58507
Date Established 2007
Assets $ 968.27 million
Loans $ 758.16 million
Deposits $ 840.43 million
Capital $ 98.53 million

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

Deposit Rates - October 24, 2021

Your Current Location: Virginia, VA 20146


Loan Rates - October 24, 2021

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for CapitalMark Bank & Trust

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 2021

Lender APR Rate (%) Monthly
Learn More
NMLS ID: 330511
3.167% 3.125%
0.50 points
$1,345 fees
$1,071 Learn More

Featured - Virginia 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
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

Note to CapitalMark Bank & Trust
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Climate Initiatives

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Financial Details

CapitalMark Bank & Trust Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of CapitalMark Bank & Trust. 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
CapitalMark Bank & Trust U.S. Bank Average
4.07% 4.78%

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 June 30, 2021, CapitalMark Bank & Trust had $821,000 in non-current loans and $3,483,000 in owned real estate. To cover these potential losses it had $98,526,000 in equity and $7,320,000 in loans loss reserves. That gives it a Texas Ratio of 4.07%.

Return on Equity
CapitalMark Bank & Trust U.S. Bank Average
9.52% 11.29%

CapitalMark Bank & Trust has a Return on Equity of 9.52% versus the BestCashCow average of 11.29%. 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.

CapitalMark Bank & Trust U.S. Bank Average
10.18% 11.72%

CapitalMark Bank & Trust has a Capitalization of 10.18% versus the BestCashCow average of 11.72. 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.

CapitalMark Bank & Trust Balance Sheet Analysis

As of March 31, 2015, CapitalMark Bank & Trust had assets of $1,048,910,000, loans of $758,161,000, and deposits of $840,426,000. 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

June 30, 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 $ 758.16 million
Loan loss allowance $ 7.32 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 3.48 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
Total deposits $ 840.43 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 $ 968.27 million

Summary Income Statement

June 30, 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 CapitalMark Bank & Trust’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and 1-4 Family Residential Loans.

Compared to other banks in Tennessee, CapitalMark Bank & Trust has a significantly higher percent of Commercial Real Estate, Commercial and Industrial Loans 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 18.39
Credit Card Loans 0.00
Consumer Auto Loans 0.12
Small Business Loans 14.42
Construction and Development Loans 9.38
Commercial Real Estate 42.09
Commercial and Industrial Loans 26.56
Farm Loans 0.00

Frequently Asked Questions About Capitalmark Bank & Trust

Branches and Savings

Is Capitalmark Bank & Trust FDIC insured?

Yes. It is covered under FDIC Certificate #58507.

Why does Capitalmark Bank & Trust pay such low interest on savings accounts?

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

Why are Capitalmark Bank & Trust CD rates not competitive?

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

Is Capitalmark Bank & Trust a commercial bank?


Where are Capitalmark Bank & Trust locations?

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Is Capitalmark Bank & Trust open on Saturdays?

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Are Capitalmark Bank & Trust ATMs Open 24/7?

Do Capitalmark Bank & Trust ATMs accept cash deposits?

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Will Capitalmark Bank & Trust notarize my document?

What address for Capitalmark Bank & Trust should I put for incoming ACH transfers?

Will the Capitalmark Bank & Trust branch print checks?

Do Capitalmark Bank & Trust checks expire?

Does Capitalmark Bank & Trust require US citizenship to open account?

Can Capitalmark Bank & Trust close my account?

Does Capitalmark Bank & Trust Report to credit bureaus?

Does Capitalmark Bank & Trust Use Equifax?

What is Capitalmark Bank & Trust's ACH Routing Number?

What is Capitalmark Bank & Trust's SWIFT code?


Does Capitalmark Bank & Trust offer mortgages?

Compare mortgage rates here.

Does Capitalmark Bank & Trust offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Capitalmark Bank & Trust offer personal loans?

Compare personal loan rates here.

Does Capitalmark Bank & Trust offer student loans?

Will Capitalmark Bank & Trust cash a check?

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Background on The Bank

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Can Capitalmark Bank & Trust transfer to other banks?

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Does Capitalmark Bank & Trust accept rolled coins?

Will Capitalmark Bank & Trust accept loose change?

Where is Capitalmark Bank & Trust headquarters?

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