CapStone Bank


4505 Falls Of The Neuse Road, Suite 150
Raleigh, NC 27609
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Notable Rates APY Vs.Others
Savings N.A. 0.65% →
1-Year CD N.A. 0.70% →
2-Year CD N.A. 0.75% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

CapStone Bank is an FDIC insured institution located in Raleigh, NC. It was founded in 2006 and has approximately $0.38 billion in assets.

FDIC Insured Yes
FDIC Certificate # 58386
Date Established 2006
Assets $ 381.32 million
Loans $ 295.73 million
Deposits $ 273.23 million
Capital $ 45.27 million

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.

Deposit Rates - July 26, 2021

Your Current Location: Virginia, VA 20146


Loan Rates - July 26, 2021

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 2021

Lender APR Rate (%) Monthly
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AmeriSave Mortgage Corporation
NMLS ID: 1168
2.672% 2.625%
0.63 points
$1,550 fees
$1,005 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
BMO Harris Bank
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4.840 %
$0 Learn More
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Bethpage Federal Credit Union
Bethpage Federal Credit Union
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Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
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Third Federal Savings and Loan
Third Federal Savings and Loan
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2.240 %
$0 Learn More
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Note to CapStone Bank
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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 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
2.99% 5.29%

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, 2021, CapStone Bank had $1,289,000 in non-current loans and $165,000 in owned real estate. To cover these potential losses it had $45,271,000 in equity and $3,350,000 in loans loss reserves. That gives it a Texas Ratio of 2.99%.

Return on Equity
CapStone Bank U.S. Bank Average
1.7% 11.43%

CapStone Bank has a Return on Equity of 1.7% versus the BestCashCow average of 11.43%. 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.

CapStone Bank U.S. Bank Average
11.87% 11.51%

CapStone Bank has a Capitalization of 11.87% versus the BestCashCow average of 11.51. 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 March 31, 2014, CapStone Bank had assets of $381,324,000, loans of $295,731,000, and deposits of $273,230,000. 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, 2021
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 295.73 million
Loan loss allowance $ 3.35 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.17 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
Total deposits $ 273.23 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 381.32 million

Summary Income Statement

March 31, 2021
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

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

Compared to other banks in North Carolina, CapStone Bank has a significantly higher percent of Small Business Loans, Farm 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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 30.57
Credit Card Loans 0.00
Consumer Auto Loans 0.10
Small Business Loans 20.45
Construction and Development Loans 12.20
Commercial Real Estate 42.59
Commercial and Industrial Loans 7.12
Farm Loans 0.70

Frequently Asked Questions About Capstone Bank

Branches and Savings

Is Capstone Bank FDIC insured?

Yes. It is covered under FDIC Certificate #58386.

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?


Where are Capstone Bank locations?

See branch locations nearby.

Is Capstone Bank open on Saturdays?

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Do Capstone Bank checks expire?

Does Capstone Bank require US citizenship to open account?

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Does Capstone Bank Use Equifax?

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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?

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Background on The Bank

Who owns Capstone Bank?

How long has Capstone Bank been around?

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Does Capstone Bank have quick pay?

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