Capstone Bank

2301 University Boulevard
Tuscaloosa, AL 35401

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 22769
Date Established 1978
Assets $0.52 billion
Loans $0.41 billion
Deposits $0.46 billion
Capital $0.06 billion

Capstone Bank is an FDIC insured institution located in Tuscaloosa, AL. It was founded in 1978 and has approximately $0.52 billion in assets. Customers can open an account at one of its 8 branches.

For a more detailed analysis of Capstone 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 Capstone Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks, Capstone Bank’s loan portfolio does not show any specific loan specialty.

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 22.56
Multifamily
Mortgages
4.47
Credit Card Loans 0.00
Consumer Auto Loans 0.27
Small Business Loans 7.04
Construction and Development Loans 11.85
Commercial Real Estate 29.14
Commercial and Industrial Loans 21.43
Farm Loans 0.00

Savings Rates

Your Current Location: Virginia, VA 20146

There are currently no rates available for Capstone Bank, but see these great savings and CD rates:


Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Capstone 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
Cornerstone Home Lending
NMLS ID: 119622
License#: MC-4673
4.000% 4.000% 0.00 $0 $1,194 Learn More
PenFed Credit Union
NMLS ID: 401822
3.957% 3.875% 0.00 $2,500 $1,176 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 Capstone Bank
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Branches

Capstone 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


Capstone Bank Locations

Financial Details

Capstone Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Capstone 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
Capstone Bank U.S. Bank Average
4.77% 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, Capstone Bank had $2,604,000 in non-current loans and $395,000 in owned real estate. To cover these potential losses it had $58,307,000 in equity and $4,617,000 in loans loss reserves. That gives it a Texas Ratio of 4.77%. 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
Capstone Bank U.S. Bank Average
7.24% 8.58

Capstone Bank has a Return on Equity of 7.24% 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
Capstone Bank U.S. Bank Average
11.13% 12.11

Capstone Bank has a Capitalization of 11.13% 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.

Capstone Bank Balance Sheet Analysis

As of June 30, 2017, Capstone Bank had assets of $523,987,000, loans of $409,736,000, and deposits of $457,799,000. 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 Capstone Bank

Branches and Savings

Is Capstone Bank FDIC insured?

Yes. It is covered under FDIC Certificate #22769.

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

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

Why are Capstone Bank CD rates not competitive?

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

Is Capstone Bank a commercial bank?

Yes

Where are Capstone Bank locations?

See branch locations nearby.

Is Capstone Bank open on Saturdays?

Is Capstone Bank open on Sundays?

What time does Capstone Bank open?

What time does Capstone Bank close?

Are Capstone Bank ATMs Open 24/7?

Do Capstone Bank ATMs accept cash deposits?

Can Capstone Bank customers use other ATMs?

Do Capstone Bank branches have notaries?

Will Capstone Bank notarize my document?

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

Will the Capstone Bank branch print checks?

Do Capstone Bank checks expire?

Does Capstone Bank require US citizenship to open account?

Can Capstone Bank close my account?

Does Capstone Bank Report to credit bureaus?

Does Capstone Bank Use Equifax?

What is Capstone Bank's ACH Routing Number?

What is Capstone Bank's SWIFT code?

Products

Does Capstone Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Capstone Bank offer personal loans?

Compare personal loan rates here.

Does Capstone Bank offer student loans?

Will Capstone Bank cash a check?

Will Capstone Bank redeem a savings bond?

Does Capstone Bank cash savings bonds?

Will Capstone Bank cash money orders?

Can Capstone Bank issue a money order?

Does Capstone Bank do currency exchange?

Background on The Bank

Who owns Capstone Bank?

How long has Capstone Bank been around?

Can Capstone Bank transfer to other banks?

Does Capstone Bank have quick pay?

Does Capstone Bank accept rolled coins?

Will Capstone Bank accept loose change?

Where is Capstone Bank headquarters?

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