Capital Bank, National Association (MD) is headquartered in Rockville and is the 15st largest bank in the state of Maryland. It is also the 1,383rd largest bank in the nation. It was established in 1999 and as of December of 2013, it had grown to 124 employees at 4 locations. Capital Bank, National Association (MD)'s money market rates are 70% higher than the national average, and it has a B+ health rating.
I totally recommended. The customer service is excelent. If you are starting or have your small business and need a loan or credit line for your business stop by Capital Bank.
One Church St., Ste. 100
Rockville, MD 20850
Otto Gonzalez is amazing. He is always there ready to help you and assist you at any time.
Turbo Green Services and Solutions LLC
I am very frustrated with the way this bank deal with its customer, I used to have a Public Saving Secure Card, and Capital Bank Took over them , but I didn't want to go through with them , I just want to close that credit card because they dont offer any other line of credit card which is not secure , and their annual Card Fee is a very pricey in comparison with real credit card companies, so I decide to close it , and trust me that wasn't the smothest thing I have to do with their customer service, they don't care about their customers at all , reckless people , I am very frsutrated.
I am not complaining to get people sympathize with me , I just want to voice my opinion and rate them as worse service ever existed , it wasn't a pleasant experience.
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, National Association (MD) had $7.12 million in non-current loans and owned real-estate with $47.12 million in equity and loan loss allowances on hand to cover it. This gives Capital Bank, National Association (MD) a Texas Ratio of 15.11% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
The Texas Ratio for Capital Bank, National Association (MD) decreased dramatically from 22.36% as of December 31, 2012 to 15.11% as of December 31, 2013, resulting in a positive change of 32.42%.This indicates that the balance sheet and financial strength for Capital Bank, National Association (MD) has improved dramatically in recent periods.
In the past year, Capital Bank, National Association (MD) has increased its total deposits by $36.5 million, resulting in 10.8% 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, National Association (MD) has shown is excellent.
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, National Association (MD) has $485.79 million in assets with $47.12 million in equity, resulting in a capitalization level of 9.70%, which is above average.
|FDIC Certificate #||35278|
|Assets and Liabilities|
|Equity Capital||$42.40 million|
|Loan Loss Allowance||$4.72 million|
|Unbacked Noncurrent Loans||$6.84 million|
|Real Estate Owned||$282,000|
|Historic Data - December 2012|
|Equity Capital||$35.53 million|
|Loan Loss Allowance||$3.77 million|
|Unbacked Noncurrent Loans||$6.84 million|
|Real Estate Owned||$284,000|
|Profit Margin - Quarterly|
|Net Interest Margin||5.61%|
|Return on Assets||1.51%|
|Return on Equity||17.8%|
|Interest Income||$27.98 million|
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|0.15%||$100||-||Safe Harbor Savings Account|
|0.15%||$100||-||IRA Savings Account|
|0.15%||$100||-||HSA Checking Account|
|0.15%||$100||-||Roth IRA Savings Account|
|0.15%||$100||-||Educational IRA Savings Account|
|0.75%||$500k||-||Money Market Accounts|
|0.20%||$250k||-||Non-Profit Checking Accout|
|0.15%||$250k||-||Interest Checking Account|
|1.10%||$500||-||60 Month CD|
|0.95%||$500||-||48 Month CD|
|0.65%||$500||-||36 Month CD|
|0.55%||$500||-||24 Month CD|
|0.40%||$500||-||12 Month CD|
|0.25%||$5k||-||10 Month Ready Access CD|
|0.12%||$500||-||6 Month CD|
|0.05%||$5k||-||30 Day CD|
|0.05%||$500||-||90 Day CD|
|1.10%||$1k||-||60 Month IRA Certificate (Traditional,Roth,CESA)|
|1.10%||$1k||-||72 Month IRA Certificate (Traditional,Roth,CESA)|
|0.95%||$1k||-||48 Month IRA Certificate (Traditional,Roth,CESA)|
|0.65%||$1k||-||36 Month IRA Certificate (Traditional,Roth,CESA)|
|0.55%||$1k||-||24 Month IRA Certificate (Traditional,Roth,CESA)|
|0.40%||$1k||-||12 Month IRA Certificate (Traditional,Roth,CESA)|
|Capital Bank, National Association (MD) Locations|
|Eye Street Branch||1776 I Street, N.W.||Washington, DC 20006|
|Executive Boulevard Branch||6000 Executive Blvd, #101||North Bethesda, MD 20852|
|Pisgah Community Bank Branch||890 Hendersonville Road||Asheville, NC 28803|
|Capital Bank, National Association||One Church Street||Rockville, MD 20850|