Capitol National Bank

200 Washington Square North
Lansing, MI 48933


General Bank Information

FDIC Insured Yes
FDIC Certificate # 24199
Date Established 1982
Assets $0.11 billion
Loans $0.09 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 $0.11 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, 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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 5.46
Credit Card Loans 0.00
Consumer Auto Loans 0.03
Small Business Loans 29.78
Construction and Development Loans 2.59
Commercial Real Estate 63.46
Commercial and Industrial Loans 15.40
Farm Loans 0.00

Deposit Rates

Your Current Location: Virginia, VA 20146

3 Mo CD 10K
0.05% $500 - Learn MoreShow Less
Savings Rates APY MIN MAX
Fixed IRA 0K
0.25% $500 - Learn MoreShow Less
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 2018

Lender APR Rate (%) Points Fees Monthly
Learn More
AmeriSave Mortgage Corporation
NMLS ID: 1168
License#: MC-2462
4.703% 4.625% 0.38 $2,265 $1,286 Learn More
AmeriSave Mortgage Corporation
NMLS ID: 1168
4.711% 4.625% 0.50 $2,510 $1,286 Learn More NMLS#2890
NMLS ID: 2890
License#: MC-3098
4.409% 4.375% 0.00 $1,104 $1,249 Learn More
PenFed Credit Union
NMLS ID: 401822
4.585% 4.500% 0.00 $2,500 $1,267 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

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

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

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
12.96% 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 National Bank had $1,937,000 in non-current loans and $95,000 in owned real estate. To cover these potential losses it had $13,831,000 in equity and $1,847,000 in loans loss reserves. That gives it a Texas Ratio of 12.96%.

Return on Equity
Capitol National Bank U.S. Bank Average
-3.06% 8.84%

Capitol National Bank has a Return on Equity of -3.06% 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.

Capitol National Bank U.S. Bank Average
12.03% 12.21%

Capitol National Bank has a Capitalization of 12.03% 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 National Bank Balance Sheet Analysis

As of December 31, 2017, Capitol National Bank had assets of $114,988,000, loans of $87,618,000, and deposits of $100,951,000. 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 $0.02 billion
Interest-bearing balances $0.02 billion
Total securities $0.00 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.09 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.10 billion
Total deposits $0.10 billion
      Interest-bearing deposits $0.07 billion
      Deposits held in domestic offices $0.10 billion
      % insured (estimated) 78.85%
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 $0.10 billion
      Shareholders’ Equity $0.01 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 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?


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?


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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