Capital Bank (MN) is headquartered in St. Paul and is the 305th largest bank in the state of Minnesota. It is also the 6,397th largest bank in the nation. It was established in 1956 and as of December of 2013, it had grown to 10 employees at 2 locations. Capital Bank (MN) has a B health rating.
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The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Capital Bank (MN) had $372,000 in non-current loans and owned real-estate with $4.44 million in equity and loan loss allowances on hand to cover it. This gives Capital Bank (MN) a Texas Ratio of 8.38% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
The Texas Ratio for Capital Bank (MN) decreased dramatically from 27.49% as of December 31, 2012 to 8.38% as of December 31, 2013, resulting in a positive change of 69.53%.This indicates that the balance sheet and financial strength for Capital Bank (MN) has improved dramatically in recent periods.
In the past year, Capital Bank (MN) has decreased its total deposits by $-818,000, resulting in -2.54% 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 (MN) has shown is below average.
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 (MN) has $35.61 million in assets with $4.44 million in equity, resulting in a capitalization level of 12.47%, which is excellent.
|FDIC Certificate #||17640|
|Assets and Liabilities|
|Equity Capital||$4.13 million|
|Loan Loss Allowance||$314,000|
|Real Estate Owned||$372,000|
|Historic Data - December 2012|
|Equity Capital||$4.74 million|
|Loan Loss Allowance||$621,000|
|Unbacked Noncurrent Loans||$0|
|Real Estate Owned||$276,000|
|Profit Margin - Quarterly|
|Net Interest Margin||3.88%|
|Return on Assets||-0.69%|
|Return on Equity||-5.6%|
|Interest Income||$1.43 million|
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|Capital Bank (MN) Locations|
|Drive-In Branch||1020 Rice Street||St. Paul, MN 55117|
|Capital Bank||1020 Rice Street||St. Paul, MN 55117|