3 star ratingAverage User Rating:
3 star rating based on 2 reviews.

Capital Bank, National Association

Capital Bank, National Association Locations
One Church Street
Rockville, MD 20850
1-877-568-4262
www.capitalbankmd.com

FDIC

Capital Bank, National Association is headquartered in Rockville and is the 22nd largest bank in the state of Maryland. It is also the 1,539th largest bank in the nation. It was established in 1999 and as of December of 2012, it had grown to 94 employees at 3 locations. Capital Bank, National Association has a 4-star health rating.

Capital Bank, National Association Routing Number: 055003340



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See Rates for: Checking | Savings | Money Market | CD | IRA

Capital Bank, National Association Checking Account Rates

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0.30%$250k-Non-Profit Checking Accout
0.25%$250k-Interest Checking Account

Capital Bank, National Association Savings Account Rates

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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

Capital Bank, National Association Money Market Rates

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0.75%$500k-Money Market Accounts

Capital Bank, National Association CD Rates

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1.10%$500-60 Month CD
1.00%$500-48 Month CD
0.85%$500-36 Month CD
0.75%$500-24 Month CD
0.60%$500-12 Month CD
0.35%$5k-10 Month Ready Access CD
0.30%$500-6 Month CD
0.15%$500-90 Day CD
0.10%$5k-30 Day CD

Capital Bank, National Association IRA Rates

ApyMinMaxProduct
1.10%$1k-60 Month IRA Certificate
1.10%$1k-72 Month IRA Certificate
1.10%$1k-60 Month Roth IRA Certificate
1.10%$1k-72 Month Roth IRA Certificate
1.10%$1k-60 Month Educational IRA Certificate
1.10%$1k-72 Month Educational IRA Certificate
1.00%$1k-48 Month IRA Certificate
1.00%$1k-48 Month Roth IRA Certificate
1.00%$1k-48 Month Educational IRA Certificate
0.85%$1k-36 Month IRA Certificate
0.85%$1k-36 Month Roth IRA Certificate
0.85%$1k-36 Month Educational IRA Certificate
0.75%$1k-24 Month IRA Certificate
0.75%$1k-24 Month Roth IRA Certificate
0.75%$1k-24 Month Educational IRA Certificate
0.60%$1k-12 Month IRA Certificate
0.60%$1k-12 Month Roth IRA Certificate
0.60%$1k-12 Month Educational IRA Certificate

Rates updated: 5/18/2013

Data for Q4 2012


Institution Statistics


Capital Bank, National Association
FDIC Certificate #35278
BankRate ReportView
Year Established1999
Employees94
Primary RegulatorOCC

Assets and Liabilities

Assets$436.34 million
Loans$366.78 million
Deposits$337.92 million
Equity Capital$35.53 million
Loan Loss Allowance$3.77 million
Unbacked Noncurrent Loans$8.51 million
Real Estate Owned$284,000

Historic Data - December 2011

Assets$335.60 million
Equity Capital$27.49 million
Loan Loss Allowance$2.53 million
Unbacked Noncurrent Loans$5.61 million
Real Estate Owned$3.34 million

Profit Margin - Quarterly

Net Interest Margin5.61%
Return on Assets1.72%
Return on Equity21.3%
Interest Income$23.99 million

Institution Health


Overall Score:
4 out of 5
4
Texas Ratio3
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, 2012 Capital Bank, National Association had $8.79 million in non-current loans and owned real-estate with $39.3 million in equity and loan loss allowances on hand to cover it. This gives Capital Bank, National Association a Texas Ratio of 22.36% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend4
The Texas Ratio for Capital Bank, National Association decreased slightly from 29.80% as of December 31, 2011 to 22.36% as of December 31, 2012, resulting in a positive change of 24.95%.This indicates that the balance sheet and financial strength for Capital Bank, National Association has improved slightly in recent periods.
Deposit Growth5
In the past year, Capital Bank, National Association has increased its total deposits by $101.08 million, resulting in 42.68% 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 has shown is excellent.
Capitalization3
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 has $436.34 million in assets with $39.3 million in equity, resulting in a capitalization level of 9.01%, which is average.
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Capital Bank NA. The Best Bank Ever For Small Business!
5 stars - Codysam1 - Saturday, December 29, 2012 - 3:43 AM

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
240-283-0416

Otto Gonzalez is amazing. He  is always there ready to help you and assist you at any time.

 

Cody Encarnacion

Owner/President

Turbo Green Services and Solutions LLC

www.turbogreenss.com

 

 

1

Capital Bank NA : Worse And Rude Customer Service Ever Existed.
1 stars - jelha - Friday, March 9, 2012 - 4:32 PM

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.

1
 
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