CapStar Bank

Headquarters

1201 Demonbreun Street Suite 700
Nashville, TN 37203
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 1.05% →
1-Year CD N.A. 0.95% →
2-Year CD 0.75% 1.05% →
5-Year CD 1.76% 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

CapStar Bank is an FDIC insured institution located in Nashville, TN. It was founded in 2008 and has approximately $2.07 billion in assets. Customers can open an account at one of its 5 branches.

FDIC Insured Yes
FDIC Certificate # 58823
Date Established 2008
Assets $ 2.07 billion
Loans $ 1,613.66 million
Deposits $ 1,774.49 million
Capital $ 263.85 million
 

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

Deposit Rates - September 26, 2020

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
CapStar Certificate of Deposit
0.75% $1,000 $99 Learn More
CapStar Certificate of Deposit
1.00% $1,000 $9,999,999 Learn More
CapStar Certificate of Deposit
1.51% $1,000 $9,999,999 Learn More
CapStar Certificate of Deposit
1.76% $1,000 $9,999,999 Learn More


Loan Rates - September 26, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for CapStar 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
Rocket Mortgage
NMLS ID: 3030
3.998% 3.875% 1.00 $3,750 $1,176 Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
2.815% 2.750% 0.88 $2,102 $1,021 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.990 %
$0 Learn More
More Info

Note to CapStar Bank
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Branches

CapStar 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


CapStar Bank Locations


Financial Details

CapStar Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of CapStar 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
CapStar Bank U.S. Bank Average
1.45% 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, CapStar Bank had $3,967,000 in non-current loans and $147,000 in owned real estate. To cover these potential losses it had $263,848,000 in equity and $20,114,000 in loans loss reserves. That gives it a Texas Ratio of 1.45%.

Return on Equity
CapStar Bank U.S. Bank Average
2.29% 7.80%

CapStar Bank has a Return on Equity of 2.29% 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
CapStar Bank U.S. Bank Average
12.74% 12.68%

CapStar Bank has a Capitalization of 12.74% 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.

CapStar Bank Balance Sheet Analysis

As of March 31, 2020, CapStar Bank had assets of $2,071,394,000, loans of $1,613,657,000, and deposits of $1,774,489,000. 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 $ 90.87 million
Interest-bearing balances $ 71.66 million
Total securities $ 222.52 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 1,613.66 million
Loan loss allowance $ 20.11 million
Trading account assets $ 2.68 million
Bank premises and fixed assets N.A.
Other real estate owned $ 0.15 million
Goodwill and other intangibles $ 45.50 million
All other assets $ 65.97 million
     Total Assets $ 1,807.55 million
LIABILITIES
Total deposits $ 1,774.49 million
      Interest-bearing deposits $ 1,320.92 million
      Deposits held in domestic offices $ 1,774.49 million
      % insured (estimated) 46.31%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities $ 2.68 million
Other borrowed funds $ 22.17 million
Subordinated debt N.A.
All other liabilities $ 8.20 million
      Total Liabilities $ 1,807.55 million
      Shareholders’ Equity $ 263.85 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 21.74 million
Total Interest Expense $ 5.08 million
Net interest income $ 16.66 million
Provision for loan and lease losses $ 7.55 million
Total non interest income $ 5.85 million
Total non interest expense $ 14.01 million
Pre-tax Net Operating Income $ 0.95 million

Bank Loan Profile?

The top three loan types in CapStar Bank’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and 1-4 Family Residential Loans.

Compared to other banks in Tennessee, CapStar 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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 18.78
Multifamily
Mortgages
2.50
Credit Card Loans 0.00
Consumer Auto Loans 0.29
Small Business Loans 0.00
Construction and Development Loans 8.74
Commercial Real Estate 39.24
Commercial and Industrial Loans 27.72
Farm Loans 0.01

Frequently Asked Questions About Capstar Bank

Branches and Savings

Is Capstar Bank FDIC insured?

Yes. It is covered under FDIC Certificate #58823.

Why does Capstar Bank pay such low interest on savings accounts?

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

Why are Capstar Bank CD rates not competitive?

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

Is Capstar Bank a commercial bank?

Yes

Where are Capstar Bank locations?

See branch locations nearby.

Is Capstar Bank open on Saturdays?

Is Capstar Bank open on Sundays?

What time does Capstar Bank open?

What time does Capstar Bank close?

Are Capstar Bank ATMs Open 24/7?

Do Capstar Bank ATMs accept cash deposits?

Can Capstar Bank customers use other ATMs?

Do Capstar Bank branches have notaries?

Will Capstar Bank notarize my document?

What address for Capstar Bank should I put for incoming ACH transfers?

Will the Capstar Bank branch print checks?

Do Capstar Bank checks expire?

Does Capstar Bank require US citizenship to open account?

Can Capstar Bank close my account?

Does Capstar Bank Report to credit bureaus?

Does Capstar Bank Use Equifax?

What is Capstar Bank's ACH Routing Number?

What is Capstar Bank's SWIFT code?

Products

Does Capstar Bank offer mortgages?

Compare mortgage rates here.

Does Capstar Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Capstar Bank offer personal loans?

Compare personal loan rates here.

Does Capstar Bank offer student loans?

Will Capstar Bank cash a check?

Will Capstar Bank redeem a savings bond?

Does Capstar Bank cash savings bonds?

Will Capstar Bank cash money orders?

Can Capstar Bank issue a money order?

Does Capstar Bank do currency exchange?

Background on The Bank

Who owns Capstar Bank?

How long has Capstar Bank been around?

Can Capstar Bank transfer to other banks?

Does Capstar Bank have quick pay?

Does Capstar Bank accept rolled coins?

Will Capstar Bank accept loose change?

Where is Capstar Bank headquarters?

Customer Reviews for CapStar Bank


  • June 22, 2019

    Worst customer service I Haven ever experienced. No one could tell me anything. Kept interrupting when trying to explain my problem . Wanting to wrap it up quickly. Lost my bank card . Was told I would be charged a fee to have it cancelled. They had no idea what the fee was. Waste of time and very unprofessional operators in a okforeign country.

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