Capitol National Bank

Headquarters

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

Notable Rates APY Vs.Others
Savings 0.05% 0.91% →
1-Year CD 0.50% 0.85% →
2-Year CD 0.50% 0.95% →
5-Year CD 0.50% 1.30% →
30-Year Mortgage N.A. 2.61% →
15-Year Mortgage N.A. 2.31% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Capitol National Bank is an FDIC insured institution located in Lansing, MI. It was founded in 1982 and has approximately $0.13 billion in assets. Customers can open an account at one of its 3 branches.

FDIC Insured Yes
FDIC Certificate # 24199
Date Established 1982
Assets $ 126.15 million
Loans $ 95.05 million
Deposits $ 110.31 million
Capital $ 15.64 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 24, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Savings
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
CD Rates APY MIN MAX
3 Mo CD
0.25% $500 - Learn More
6 Mo CD
0.50% $500 - Learn More
Special: 12 Mo CD
0.50% $100,000 - Learn More
18 Mo CD
0.50% $500 - Learn More
24 Mo CD
0.50% $500 $249,999 Learn More
Special: 24 Mo CD
0.50% $100,000 - 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 24, 2020

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 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
First Internet Bank
NMLS ID: 424182
2.561% 2.500% 0.75 $2,008 $988 Learn More
AmeriSave Mortgage Corporation
NMLS ID: 1168
2.683% 2.625% 0.50 $1,885 $1,005 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.500 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.240 %
$0 Learn More
More Info

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
9.18% 6.94%

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 March 31, 2020, Capitol National Bank had $1,594,000 in non-current loans and $65,000 in owned real estate. To cover these potential losses it had $15,643,000 in equity and $2,435,000 in loans loss reserves. That gives it a Texas Ratio of 9.18%.

Return on Equity
Capitol National Bank U.S. Bank Average
1.41% 7.80%

Capitol National Bank has a Return on Equity of 1.41% versus the BestCashCow average of 7.80%. 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
12.4% 12.68%

Capitol National Bank has a Capitalization of 12.4% versus the BestCashCow average of 12.68. 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 March 31, 2020, Capitol National Bank had assets of $126,151,000, loans of $95,049,000, and deposits of $110,314,000. 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

March 31, 2020
ASSETS
Cash & Balances due from depository institutions $ 27.04 million
Interest-bearing balances $ 25.89 million
Total securities $ 0.88 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 95.05 million
Loan loss allowance $ 2.44 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.07 million
Goodwill and other intangibles $ 0.02 million
All other assets $ 2.74 million
     Total Assets $ 110.51 million
LIABILITIES
Total deposits $ 110.31 million
      Interest-bearing deposits $ 70.22 million
      Deposits held in domestic offices $ 110.31 million
      % insured (estimated) 75.17%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.19 million
      Total Liabilities $ 110.51 million
      Shareholders’ Equity $ 15.64 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 1.35 million
Total Interest Expense $ 0.07 million
Net interest income $ 1.29 million
Provision for loan and lease losses $ 0.10 million
Total non interest income $ 0.11 million
Total non interest expense $ 1.18 million
Pre-tax Net Operating Income $ 0.12 million

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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 5.19
Multifamily
Mortgages
7.42
Credit Card Loans 0.00
Consumer Auto Loans 0.01
Small Business Loans 25.34
Construction and Development Loans 3.23
Commercial Real Estate 59.87
Commercial and Industrial Loans 14.47
Farm Loans 0.00

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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