Capitol National Bank


200 Washington Square North
Lansing, MI 48933
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.05% 0.85% →
1-Year CD N.A. 0.67% →
2-Year CD 0.50% 0.80% →
5-Year CD 0.50% 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

Capitol National Bank is an FDIC insured institution located in Lansing, MI. It was founded in 1982 and has approximately $0.24 billion in assets. Customers can open an account at one of its 3 branches.

FDIC Insured Yes
FDIC Certificate # 24199
Date Established 1982
Assets $ 236.97 million
Loans $ 157.48 million
Deposits $ 164.72 million
Capital $ 17.82 million

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

Deposit Rates - November 29, 2021

Your Current Location: Washington, WA 98109

Savings and Money Market Rates APY MIN MAX
0.05% $100 - Learn More
Money Market
0.01% $1 $4,999 Learn More
Money Market
0.05% $5,000 $24,999 Learn More
Money Market
0.10% $25,000 $49,999 Learn More
6 Mo CD
0.50% $500 - Learn More
18 Mo CD
0.50% $500 - Learn More
24 Mo CD
0.50% $500 $249,999 Learn More
36 Mo CD
0.50% $500 $249,999 Learn More
48 Mo CD
0.50% $500 $249,999 Learn More
60 Mo CD
0.50% $500 $249,999 Learn More


Loan Rates - November 29, 2021

Your Current Location: Washington, WA 98109

There are currently no loan rates available for Capitol National Bank

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

Featured - Washington 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Learn More
Oceans Mortgage
NMLS ID: 1558823
License#: CL-1558823
2.813% 2.750%
0.38 points
$2,072 fees
$1,021 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Flagstar Bank-Heloc
Flagstar Bank-Heloc
See Table
4.990 %
$0 Learn More
More Info
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

Note to Capitol National Bank
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Capitol National Bank 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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Capitol National Bank Locations

Climate Initiatives

Capitol National Bank is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.

Financial Details

Capitol National Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Capitol National 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
Capitol National Bank U.S. Bank Average
3.74% 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, Capitol National Bank had $541,000 in non-current loans and $245,000 in owned real estate. To cover these potential losses it had $17,824,000 in equity and $3,214,000 in loans loss reserves. That gives it a Texas Ratio of 3.74%.

Return on Equity
Capitol National Bank U.S. Bank Average
12.7% 11.29%

Capitol National Bank has a Return on Equity of 12.7% 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.

Capitol National Bank U.S. Bank Average
7.52% 11.72%

Capitol National Bank has a Capitalization of 7.52% 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.

Capitol National Bank Balance Sheet Analysis

As of June 30, 2021, Capitol National Bank had assets of $236,967,000, loans of $157,478,000, and deposits of $164,723,000. 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 $ 70.13 million
Interest-bearing balances $ 66.67 million
Total securities $ 0.40 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 157.48 million
Loan loss allowance $ 3.21 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.25 million
Goodwill and other intangibles $ 0.01 million
All other assets $ 3.68 million
     Total Assets $ 219.14 million
Total deposits $ 164.72 million
      Interest-bearing deposits $ 91.85 million
      Deposits held in domestic offices $ 164.72 million
      % insured (estimated) 66.27%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 49.21 million
Subordinated debt N.A.
All other liabilities $ 5.21 million
      Total Liabilities $ 219.14 million
      Shareholders’ Equity $ 17.82 million

Summary Income Statement

June 30, 2021
Total Interest Income $ 4.16 million
Total Interest Expense $ 0.16 million
Net interest income $ 4.00 million
Provision for loan and lease losses $ 0.20 million
Total non interest income $ 0.21 million
Total non interest expense $ 2.60 million
Pre-tax Net Operating Income $ 1.40 million

Bank Loan Profile?

The top three loan types in Capitol National Bank’s loan portfolio are Commercial and Industrial Loans, Commercial Real Estate, and Small Business Loans.

Compared to other banks in Michigan, Capitol National Bank has a significantly higher percent of 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 3.31
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 16.67
Construction and Development Loans 3.02
Commercial Real Estate 39.30
Commercial and Industrial Loans 52.99
Farm Loans 0.00

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