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Overview / Commentary
949-489-4200
31351 Rancho Viejo Road, Suite 101
San Juan Capistrano, CA 92675

Capital Bank (CA) is headquartered in San Juan Capistr and is the 141st largest bank in the state of California. It is also the 3,041st largest bank in the nation. It was established in 2008 and as of March of 2014, it had grown to 27 employees at 1 location. Capital Bank (CA) has a A+ health rating.

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Health

Data for Q1 2014

Institution Health

A+

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Capital Bank (CA) had $0 in non-current loans and owned real-estate with $23.46 million in equity and loan loss allowances on hand to cover it. This gives Capital Bank (CA) a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Deposit Growth

GRADE:
A+

In the past year, Capital Bank (CA) has increased its total deposits by $29.48 million, resulting in 22.7% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Capital Bank (CA) has shown is excellent.

Capitalization

GRADE:
A

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Capital Bank (CA) has $201.62 million in assets with $23.46 million in equity, resulting in a capitalization level of 11.64%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #58462
Year Established2008
Employees27
Primary RegulatorFED
Assets and Liabilities
Assets$201.62 million
Loans$160.15 million
Deposits$159.35 million
Equity Capital$21.01 million
Loan Loss Allowance$2.45 million
Real Estate Owned$0
Historic Data - March 2013
Assets$148.64 million
Equity Capital$17.81 million
Loan Loss Allowance$1.73 million
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin5.15%
Return on Assets1.46%
Return on Equity13.56%
Interest Income$2.57 million
Rates
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Capital Bank (CA) Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.65%$250k-Personal Super Checking Account

Capital Bank (CA) CD Rates

DetailsAPYMINMAXPRODUCT
0.50%$25k-24 Month High Yield CD
Locations


Capital Bank (CA) Locations
Capital Bank31351 Rancho Viejo Road, Suite 101San Juan Capistrano, CA 92675