Capitol City Bank & Trust Company

562 Lee Street, S.W.
Atlanta, GA 30310

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 33938
Date Established 1994
Assets $0.28 billion
Loans $0.19 billion
Deposits $0.26 billion
Capital $0.01 billion

Capitol City Bank & Trust Company is an FDIC insured institution located in Atlanta, GA. It was founded in 1994 and has approximately $0.27 billion in assets.

For a more detailed analysis of Capitol City Bank & Trust Company'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 Capitol City Bank & Trust Company’s loan portfolio are Commercial Real Estate, Small Business Loans, and 1-4 Family Residential Loans.

Compared to other banks in Georgia, Capitol City Bank & Trust Company has a significantly higher percent of 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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 10.24
Multifamily
Mortgages
2.72
Credit Card Loans 0.00
Consumer Auto Loans 0.78
Small Business Loans 40.22
Construction and Development Loans 2.86
Commercial Real Estate 82.98
Commercial and Industrial Loans 2.65
Farm Loans 0.00

Deposit Rates

Your Current Location: Virginia, VA 20146

There are currently no rates available for Capitol City Bank & Trust Company, but see these great savings and CD rates:

2.00% APY 12 Month CD from Synchrony Bank

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Capitol City Bank & Trust Company

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
Payment
Learn More
AimLoan.com NMLS#2890
NMLS ID: 2890
License#: MC-3098
3.911% 3.875% 0.00 $1,194 $1,176 Learn More
PenFed Credit Union
NMLS ID: 401822
4.073% 3.990% 0.00 $2,500 $1,193 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.490% $224.24 Learn More
Flagstar Bank 5.240% $275.79 Learn More

Note to Capitol City Bank & Trust Company
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Branches

Capitol City Bank & Trust Company 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:
Ashburn,Virginia


Capitol City Bank & Trust Company Locations

Financial Details

Capitol City Bank & Trust Company Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Capitol City Bank & Trust Company. 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
Capitol City Bank & Trust Company U.S. Bank Average
520.15% 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, Capitol City Bank & Trust Company had $18,654,000 in non-current loans and $26,968,000 in owned real estate. To cover these potential losses it had $5,015,000 in equity and $3,756,000 in loans loss reserves. That gives it a Texas Ratio of 520.15%.

Return on Equity
Capitol City Bank & Trust Company U.S. Bank Average
-32.24% 8.84%

Capitol City Bank & Trust Company has a Return on Equity of -32.24% 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.

Capitalization
Capitol City Bank & Trust Company U.S. Bank Average
1.82% 12.21%

Capitol City Bank & Trust Company has a Capitalization of 1.82% 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.

Capitol City Bank & Trust Company Balance Sheet Analysis

As of September 30, 2014, Capitol City Bank & Trust Company had assets of $272,311,000, loans of $188,622,000, and deposits of $264,410,000. 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.

Frequently Asked Questions About Capitol City Bank & Trust Company

Branches and Savings

Is Capitol City Bank & Trust Company FDIC insured?

Yes. It is covered under FDIC Certificate #33938.

Why does Capitol City Bank & Trust Company pay such low interest on savings accounts?

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

Why are Capitol City Bank & Trust Company CD rates not competitive?

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

Is Capitol City Bank & Trust Company a commercial bank?

Yes

Where are Capitol City Bank & Trust Company locations?

See branch locations nearby.

Is Capitol City Bank & Trust Company open on Saturdays?

Is Capitol City Bank & Trust Company open on Sundays?

What time does Capitol City Bank & Trust Company open?

What time does Capitol City Bank & Trust Company close?

Are Capitol City Bank & Trust Company ATMs Open 24/7?

Do Capitol City Bank & Trust Company ATMs accept cash deposits?

Can Capitol City Bank & Trust Company customers use other ATMs?

Do Capitol City Bank & Trust Company branches have notaries?

Will Capitol City Bank & Trust Company notarize my document?

What address for Capitol City Bank & Trust Company should I put for incoming ACH transfers?

Will the Capitol City Bank & Trust Company branch print checks?

Do Capitol City Bank & Trust Company checks expire?

Does Capitol City Bank & Trust Company require US citizenship to open account?

Can Capitol City Bank & Trust Company close my account?

Does Capitol City Bank & Trust Company Report to credit bureaus?

Does Capitol City Bank & Trust Company Use Equifax?

What is Capitol City Bank & Trust Company's ACH Routing Number?

What is Capitol City Bank & Trust Company's SWIFT code?

Products

Does Capitol City Bank & Trust Company offer mortgages?

Compare mortgage rates here.

Does Capitol City Bank & Trust Company offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Capitol City Bank & Trust Company offer personal loans?

Compare personal loan rates here.

Does Capitol City Bank & Trust Company offer student loans?

Will Capitol City Bank & Trust Company cash a check?

Will Capitol City Bank & Trust Company redeem a savings bond?

Does Capitol City Bank & Trust Company cash savings bonds?

Will Capitol City Bank & Trust Company cash money orders?

Can Capitol City Bank & Trust Company issue a money order?

Does Capitol City Bank & Trust Company do currency exchange?

Background on The Bank

Who owns Capitol City Bank & Trust Company?

How long has Capitol City Bank & Trust Company been around?

Can Capitol City Bank & Trust Company transfer to other banks?

Does Capitol City Bank & Trust Company have quick pay?

Does Capitol City Bank & Trust Company accept rolled coins?

Will Capitol City Bank & Trust Company accept loose change?

Where is Capitol City Bank & Trust Company headquarters?

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