Dedicated to Deposits: Deals, Data, and Discussion
Featured Savings Rates
Featured Accounts
Overview / Commentary
1020 Rice Street
St. Paul, MN 55117

Capital Bank (MN) is headquartered in St. Paul and is the 303rd largest bank in the state of Minnesota. It is also the 6,326th largest bank in the nation. It was established in 1956 and as of March of 2014, it had grown to 10 employees at 2 locations. Capital Bank (MN) has a B+ health rating.

No reviews have been left for this bank yet. Be the first to review.


Data for Q1 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Capital Bank (MN) has a low asset base.

Texas Ratio


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 (MN) had $374,000 in non-current loans and owned real-estate with $4.67 million in equity and loan loss allowances on hand to cover it. This gives Capital Bank (MN) a Texas Ratio of 8.01% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Capital Bank (MN) decreased dramatically from 27.49% as of March 31, 2013 to 8.01% as of March 31, 2014, resulting in a positive change of 70.86%.This indicates that the balance sheet and financial strength for Capital Bank (MN) has improved dramatically in recent periods.

Deposit Growth


In the past year, Capital Bank (MN) has decreased its total deposits by $-233,000, resulting in -0.73% 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 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 $36.01 million in assets with $4.67 million in equity, resulting in a capitalization level of 12.96%, which is excellent.

Institution Statistics

FDIC Certificate #17640
Year Established1956
Primary RegulatorFDIC
Assets and Liabilities
Assets$36.01 million
Loans$12.98 million
Deposits$31.60 million
Equity Capital$4.31 million
Loan Loss Allowance$360,000
Real Estate Owned$374,000
Historic Data - March 2013
Assets$36.72 million
Equity Capital$4.79 million
Loan Loss Allowance$621,000
Unbacked Noncurrent Loans$0
Real Estate Owned$289,000
Profit Margin - Quarterly
Net Interest Margin3.67%
Return on Assets0.93%
Return on Equity7.87%
Interest Income$330,000

Sorry, we do not have rate data for Capital Bank (MN)


Capital Bank (MN) Locations
Drive-In Branch1020 Rice StreetSt. Paul, MN 55117
Capital Bank1020 Rice StreetSt. Paul, MN 55117