Capitol National Bank

200 Washington Square North
Lansing, MI 48933

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 24199
Date Established 1982
Assets $0.12 billion
Loans $0.10 billion
Deposits $0.10 billion
Capital $0.01 billion

Capitol National Bank is an FDIC insured institution located in Lansing, MI. It was founded in 1982 and has approximately $0.12 billion in assets. Customers can open an account at one of its 3 branches.

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.

Bank Loan Profile?

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

Compared to other banks in Michigan, Capitol National Bank has a significantly higher percent of Multifamily Mortgages, 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 6.23
Multifamily
Mortgages
7.34
Credit Card Loans 0.00
Consumer Auto Loans 0.04
Small Business Loans 26.13
Construction and Development Loans 2.37
Commercial Real Estate 58.20
Commercial and Industrial Loans 15.20
Farm Loans 0.00

Savings Rates

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
3 Mo CD 10K
0.05% $500 - Learn MoreShow Less
6 Mo CD 10K
0.16% $500 - Learn MoreShow Less
Savings Rates APY MIN MAX
Savings 2.5K
0.05% $100 - Learn MoreShow Less
Fixed IRA Rates APY MIN MAX
Fixed IRA 0K
0.25% $500 - Learn MoreShow Less
MM Rates APY MIN MAX
MM 2.5K
0.01% $1 $4,999 Learn MoreShow Less
MM 10K
0.05% $5,000 $24,999 Learn MoreShow Less
MM 25K
0.10% $25,000 $49,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.01% $5,000 $24,999 Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

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 - Virginia 30 Year Fixed Mortgage Rates 2017

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Rocket Mortgage
NMLS ID: 3030
4.248% 4.180% 0.50 $2,049 $1,220 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.248% 4.180% 0.50 $2,049 $1,220 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2017

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.240% $217.33 Learn More

Note to Capitol National Bank
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Branches

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.

Your Location:
Ashburn,Virginia


Capitol National Bank Locations

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 BestCashCow.com 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
13.79% 8.45

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of June 30, 2017, Capitol National Bank had $1,967,000 in non-current loans and $282,000 in owned real estate. To cover these potential losses it had $14,553,000 in equity and $1,757,000 in loans loss reserves. That gives it a Texas Ratio of 13.79%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
Capitol National Bank U.S. Bank Average
3.93% 8.58

Capitol National Bank has a Return on Equity of 3.93% versus the BestCashCow average of 8.58. 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 National Bank U.S. Bank Average
11.88% 12.11

Capitol National Bank has a Capitalization of 11.88% versus the BestCashCow average of 12.11. 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, 2017, Capitol National Bank had assets of $122,483,000, loans of $98,150,000, and deposits of $101,166,000. 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 National Bank

Branches and Savings

Is Capitol National Bank FDIC insured?

Yes. It is covered under FDIC Certificate #24199.

Why does Capitol National Bank pay such low interest on savings accounts?

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

Why are Capitol National Bank CD rates not competitive?

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

Is Capitol National Bank a commercial bank?

Yes

Where are Capitol National Bank locations?

See branch locations nearby.

Is Capitol National Bank open on Saturdays?

Is Capitol National Bank open on Sundays?

What time does Capitol National Bank open?

What time does Capitol National Bank close?

Are Capitol National Bank ATMs Open 24/7?

Do Capitol National Bank ATMs accept cash deposits?

Can Capitol National Bank customers use other ATMs?

Do Capitol National Bank branches have notaries?

Will Capitol National Bank notarize my document?

What address for Capitol National Bank should I put for incoming ACH transfers?

Will the Capitol National Bank branch print checks?

Do Capitol National Bank checks expire?

Does Capitol National Bank require US citizenship to open account?

Can Capitol National Bank close my account?

Does Capitol National Bank Report to credit bureaus?

Does Capitol National Bank Use Equifax?

What is Capitol National Bank's ACH Routing Number?

What is Capitol National Bank's SWIFT code?

Products

Does Capitol National Bank offer mortgages?

Compare mortgage rates here.

Does Capitol National Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Capitol National Bank offer personal loans?

Compare personal loan rates here.

Does Capitol National Bank offer student loans?

Will Capitol National Bank cash a check?

Will Capitol National Bank redeem a savings bond?

Does Capitol National Bank cash savings bonds?

Will Capitol National Bank cash money orders?

Can Capitol National Bank issue a money order?

Does Capitol National Bank do currency exchange?

Background on The Bank

Who owns Capitol National Bank?

How long has Capitol National Bank been around?

Can Capitol National Bank transfer to other banks?

Does Capitol National Bank have quick pay?

Does Capitol National Bank accept rolled coins?

Will Capitol National Bank accept loose change?

Where is Capitol National Bank headquarters?

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