Average User Rating:
1 star rating based on 1 review.

Capital Bank, National Association

Capital Bank, National Association Locations

One Church Street
Rockville, MD 20850
1-877-568-4262
www.capitalbankmd.com

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Capital Bank, National Association is headquartered in Rockville and is the 29^th largest bank in the state of Maryland. It is also the 1,939^th largest bank in the nation. It was established in 1999 and as of December of 2011, it had grown to 63 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

Apy	Min	Max	Product
0.30%	$250k	-	Non-Profit Checking Accout
0.25%	$250k	-	Interest Checking Account

Capital Bank, National Association Savings Account Rates

Apy	Min	Max	Product
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

	Apy	Min	Max	Product
	0.75%	$500k	-	Money Market Accounts

Capital Bank, National Association CD Rates

Apy	Min	Max	Product
1.25%	$500	-	60 Month CD
1.00%	$500	-	48 Month CD
0.95%	$500	-	36 Month CD
0.85%	$500	-	24 Month CD
0.70%	$500	-	12 Month CD
0.45%	$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

Apy	Min	Max	Product
1.25%	$1k	-	60 Month IRA Certificate
1.25%	$1k	-	72 Month IRA Certificate
1.25%	$1k	-	60 Month Roth IRA Certificate
1.25%	$1k	-	72 Month Roth IRA Certificate
1.25%	$1k	-	60 Month Educational IRA Certificate
1.25%	$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	-	24 Month IRA Certificate
0.85%	$1k	-	36 Month IRA Certificate
0.85%	$1k	-	24 Month Roth IRA Certificate
0.85%	$1k	-	36 Month Roth IRA Certificate
0.85%	$1k	-	24 Month Educational IRA Certificate
0.85%	$1k	-	36 Month Educational IRA Certificate
0.70%	$1k	-	12 Month IRA Certificate
0.70%	$1k	-	12 Month Roth IRA Certificate
0.70%	$1k	-	12 Month Educational IRA Certificate

Rates updated: 5/24/2012

Data for Q4 2011

Institution Statistics

Capital Bank, National Association
FDIC Certificate #	35278
BankRate Report	View
Year Established	1999
Employees	63
Primary Regulator	OCC
Assets and Liabilities
Assets	$335.60 million
Loans	$266.38 million
Deposits	$236.84 million
Equity Capital	$27.49 million
Loan Loss Allowance	$2.53 million
Unbacked Noncurrent Loans	$5.61 million
Real Estate Owned	$3.34 million
Historic Data - December 2010
Assets	$254.51 million
Equity Capital	$21.67 million
Loan Loss Allowance	$2.35 million
Unbacked Noncurrent Loans	$5.38 million
Real Estate Owned	$2.04 million
Profit Margin - Quarterly
Net Interest Margin	5.01%
Return on Assets	1.92%
Return on Equity	22.94%
Interest Income	$16.32 million

Institution Health

Overall Score:

4 out of 5

Texas Ratio
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, 2011 Capital Bank, National Association had $8.95 million in non-current loans and owned real-estate with $30.03 million in equity and loan loss allowances on hand to cover it. This gives Capital Bank, National Association a Texas Ratio of 29.80% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Capital Bank, National Association held steady from 30.86% as of December 31, 2010 to 29.80% as of December 31, 2011, resulting in a positive change of 3.45%.This indicates that the balance sheet and financial strength for Capital Bank, National Association has held steady in recent periods.
Deposit Growth
In the past year, Capital Bank, National Association has increased its total deposits by $47.14 million, resulting in 24.85% 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.
Capitalization
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 $335.6 million in assets with $30.03 million in equity, resulting in a capitalization level of 8.95%, which is average.

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.