Institution Statistics
| CapStar Bank | | FDIC Certificate # | 58823 | | BankRate Report | View | | Year Established | 2008 | | Employees | 63 | | Primary Regulator | FED |
Assets and Liabilities | | Assets | $711.18 million | | Loans | $424.10 million | | Deposits | $621.21 million | | Equity Capital | $74.57 million | | Loan Loss Allowance | $6.23 million |
Historic Data - December 2010 | | Assets | $514.16 million | | Equity Capital | $66.63 million | | Loan Loss Allowance | $4.81 million | | Unbacked Noncurrent Loans | $150,000 |
Profit Margin - Quarterly | | Net Interest Margin | 2.76% | | Return on Assets | 0.34% | | Return on Equity | 2.93% | | Interest Income | $23.45 million |
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Institution Health
Overall Score:
5 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 CapStar Bank had $0 in non-current loans and owned real-estate with $80.8 million in equity and loan loss allowances on hand to cover it. This gives CapStar Bank a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth | | | In the past year, CapStar Bank has increased its total deposits by $186.87 million, resulting in 43.03% 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 CapStar Bank 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. CapStar Bank has $711.18 million in assets with $80.8 million in equity, resulting in a capitalization level of 11.36%, which is above average. |
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