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

Loan Rates

Your Current Location: Virginia, VA 20146

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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% 8.87%

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 March 31, 2017, 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%. 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
1.7% 8.39%

CapStone Bank has a Return on Equity of 1.7% versus the BestCashCow average of 8.39%. 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% 11.94%

CapStone Bank has a Capitalization of 11.87% versus the BestCashCow average of 11.94%. 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.

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