CapStone Bank

4505 Falls Of The Neuse Road, Suite 150
Raleigh, NC 27609


General Bank Information

FDIC Insured Yes
FDIC Certificate # 58386
Date Established 2006
Assets $0.38 billion
Loans $0.30 billion
Deposits $0.27 billion
Capital $0.05 billion

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

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 Small Business Loans.

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

Deposit Rates

Your Current Location: Virginia, VA 20146

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

Advertiser Disclosure

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 2018

Lender APR Rate (%) Points Fees Monthly
Learn More NMLS#2890
NMLS ID: 2890
License#: MC-3098
4.412% 4.375% 0.00 $1,210 $1,249 Learn More
PenFed Credit Union
NMLS ID: 401822
4.585% 4.500% 0.00 $2,500 $1,267 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.125% 5.125% 0.00 $0 $1,362 Learn More
Rocket Mortgage
NMLS ID: 3030
4.990% 4.990% 0.00 $0 $1,341 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 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% 7.92%

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 March 31, 2018, 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% 9.35%

CapStone Bank has a Return on Equity of 1.7% versus the BestCashCow average of 9.35%. 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% 12.01%

CapStone Bank has a Capitalization of 11.87% versus the BestCashCow average of 12.01. 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

Cash & Balances due from depository institutions $0.00 billion
Interest-bearing balances $0.00 billion
Total securities $0.00 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.30 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 $0.00 billion
Total deposits $0.27 billion
      Interest-bearing deposits $0.00 billion
      Deposits held in domestic offices $0.00 billion
      % insured (estimated) 0.00%
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 $0.00 billion
      Shareholders’ Equity $0.38 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 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?

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Is Capstone Bank open on Saturdays?

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Are Capstone Bank ATMs Open 24/7?

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Will Capstone Bank notarize my document?

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Will the Capstone Bank branch print checks?

Do Capstone Bank checks expire?

Does Capstone Bank require US citizenship to open account?

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Does Capstone Bank Report to credit bureaus?

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?

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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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