Fourth Capital Bank

Headquarters

10 Lea Avenue, Suite 900
Nashville, TN 37210
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.35% 0.65% →
1-Year CD 0.25% 0.70% →
2-Year CD 0.40% 0.75% →
5-Year CD 0.65% 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

Fourth Capital Bank is an FDIC insured institution located in Nashville, TN. It was founded in 2017 and has approximately $0.31 billion in assets. Customers can open an account at one of its 2 branches.

FDIC Insured Yes
FDIC Certificate # 59101
Date Established 2017
Assets $ 313.70 million
Loans $ 217.66 million
Deposits $ 266.92 million
Capital $ 27.64 million
 

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

Deposit Rates - June 20, 2021

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Savings
0.35% $2,500 $4,999 Learn More
Money Market
0.35% $2,500 $2,999 Learn More
Money Market
0.35% $10,000 $14,999 Learn More
Money Market
0.45% $25,000 $29,999 Learn More
CD Rates APY MIN MAX
6 Mo CD
0.22% $10,000 $14,999 Learn More
6 Mo CD
0.22% $100,000 $199,999 Learn More
12 Mo CD
0.25% $10,000 $14,999 Learn More
12 Mo CD
0.25% $100,000 $199,999 Learn More
18 Mo CD
0.35% $10,000 $14,999 Learn More
18 Mo CD
0.35% $100,000 $199,999 Learn More
24 Mo CD
0.40% $10,000 $14,999 Learn More
24 Mo CD
0.40% $100,000 $199,999 Learn More
36 Mo CD
0.55% $10,000 $14,999 Learn More
36 Mo CD
0.55% $100,000 $199,999 Learn More
48 Mo CD
0.60% $10,000 $14,999 Learn More
48 Mo CD
0.60% $100,000 $199,999 Learn More
60 Mo CD
0.65% $10,000 $14,999 Learn More
60 Mo CD
0.65% $100,000 $199,999 Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.10% $2,500 $3,499 Learn MoreShow Less
 

Loan Rates - June 20, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Fourth Capital Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Payment
Learn More
CIT Bank
NMLS ID: 541760
3.016% 2.950%
0.88 points
$2,105 fees
$1,048 Learn More
AmeriSave Mortgage Corporation
NMLS ID: 1168
2.779% 2.750%
0.38 points
$952 fees
$1,021 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info
BMO Harris Bank
BMO Harris Bank
See Table
Intro APR 1.990 %
After Intro: 4.840 %
Intro Period: 12 months
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info

Note to Fourth Capital Bank
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Fourth Capital 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:
Fairfield,Connecticut


Fourth Capital Bank Locations


Financial Details

Fourth Capital Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Fourth Capital 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
Fourth Capital Bank U.S. Bank Average
4.33% 5.49%

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 December 31, 2020, Fourth Capital Bank had $200,000 in non-current loans and $1,134,000 in owned real estate. To cover these potential losses it had $27,639,000 in equity and $3,162,000 in loans loss reserves. That gives it a Texas Ratio of 4.33%.

Return on Equity
Fourth Capital Bank U.S. Bank Average
-12.42% 9.24%

Fourth Capital Bank has a Return on Equity of -12.42% versus the BestCashCow average of 9.24%. 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
Fourth Capital Bank U.S. Bank Average
8.81% 11.96%

Fourth Capital Bank has a Capitalization of 8.81% versus the BestCashCow average of 11.96. 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.

Fourth Capital Bank Balance Sheet Analysis

As of December 31, 2020, Fourth Capital Bank had assets of $313,700,000, loans of $217,655,000, and deposits of $266,915,000. 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

December 31, 2020
ASSETS
Cash & Balances due from depository institutions $ 47.36 million
Interest-bearing balances $ 40.49 million
Total securities $ 20.91 million
Federal funds sold and reverse repurchase $ 10.36 million
Net loans and leases $ 217.66 million
Loan loss allowance $ 3.16 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 1.13 million
Goodwill and other intangibles N.A.
All other assets $ 8.12 million
     Total Assets $ 286.06 million
LIABILITIES
Total deposits $ 266.92 million
      Interest-bearing deposits $ 225.81 million
      Deposits held in domestic offices $ 266.92 million
      % insured (estimated) 60.89%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 17.14 million
Subordinated debt N.A.
All other liabilities $ 2.01 million
      Total Liabilities $ 286.06 million
      Shareholders’ Equity $ 27.64 million

Summary Income Statement

December 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 11.69 million
Total Interest Expense $ 2.42 million
Net interest income $ 9.27 million
Provision for loan and lease losses $ 1.06 million
Total non interest income $ 0.30 million
Total non interest expense $ 12.33 million
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

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

Compared to other banks in Tennessee, Fourth Capital Bank has a significantly higher percent of Commercial Real Estate, 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 14.07
Multifamily
Mortgages
4.33
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 8.19
Construction and Development Loans 12.51
Commercial Real Estate 40.49
Commercial and Industrial Loans 27.26
Farm Loans 0.00

Frequently Asked Questions About Fourth Capital Bank

Branches and Savings

Is Fourth Capital Bank FDIC insured?

Yes. It is covered under FDIC Certificate #59101.

Why does Fourth Capital Bank pay such low interest on savings accounts?

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

Why are Fourth Capital Bank CD rates not competitive?

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

Is Fourth Capital Bank a commercial bank?

Yes

Where are Fourth Capital Bank locations?

See branch locations nearby.

Is Fourth Capital Bank open on Saturdays?

Is Fourth Capital Bank open on Sundays?

What time does Fourth Capital Bank open?

What time does Fourth Capital Bank close?

Are Fourth Capital Bank ATMs Open 24/7?

Do Fourth Capital Bank ATMs accept cash deposits?

Can Fourth Capital Bank customers use other ATMs?

Do Fourth Capital Bank branches have notaries?

Will Fourth Capital Bank notarize my document?

What address for Fourth Capital Bank should I put for incoming ACH transfers?

Will the Fourth Capital Bank branch print checks?

Do Fourth Capital Bank checks expire?

Does Fourth Capital Bank require US citizenship to open account?

Can Fourth Capital Bank close my account?

Does Fourth Capital Bank Report to credit bureaus?

Does Fourth Capital Bank Use Equifax?

What is Fourth Capital Bank's ACH Routing Number?

What is Fourth Capital Bank's SWIFT code?

Products

Does Fourth Capital Bank offer mortgages?

Compare mortgage rates here.

Does Fourth Capital Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Fourth Capital Bank offer personal loans?

Compare personal loan rates here.

Does Fourth Capital Bank offer student loans?

Will Fourth Capital Bank cash a check?

Will Fourth Capital Bank redeem a savings bond?

Does Fourth Capital Bank cash savings bonds?

Will Fourth Capital Bank cash money orders?

Can Fourth Capital Bank issue a money order?

Does Fourth Capital Bank do currency exchange?

Background on The Bank

Who owns Fourth Capital Bank?

How long has Fourth Capital Bank been around?

Can Fourth Capital Bank transfer to other banks?

Does Fourth Capital Bank have quick pay?

Does Fourth Capital Bank accept rolled coins?

Will Fourth Capital Bank accept loose change?

Where is Fourth Capital Bank headquarters?

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