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Capital Bank, National Association

Based on 3 reviews
Capital Bank, National Association
Overview / Commentary
9350 South Dixie Highway
Miami, FL 33156

Capital Bank, National Association is headquartered in Miami and is the 5th largest bank in the state of Florida. It is also the 147th largest bank in the nation. It was established in 2010 and as of March of 2014, it had grown to 1,571 employees at 171 locations. Capital Bank, National Association has a B health rating.

Reviews (3)

Typical Too Big Bank, Poor Customer Service

I use direct deposit, and it takes several days for it to clear.  Why?  We were merged and they put us on interest checking and to change it, we'd have to pay a bank fee.  They also hold deposits (which they HAVE our money for nearly a week, mind) to bounce checks instead of releasing the funds on time.  First time, EVERY other bank allows a complimentary reversal of NSF fee...not this bank.  "Policy" dictates the don't do anything unless they make the mistake.  This month they happened to of caught me with the weekend and some auto bill pays on top of keeping the money a little longer then usual.

ATM fees are supposed to be refunded.  They are...if you do the paperwork and harp on the employees several times to get them.

We have no limit to the debit card, yet they consistently decline transactions with it.  We have had to take cash out to make sure we can buy groceries, etc. because of this.  It's not like I don't have money, usually it occurs when I have several thousand dollars in there.

Want to do online banking?  Be prepared for the funds never to be right, current transactions to be missing and the site to go up and down on the money you have in there.  Since the merge, they have never had the right amount in the online system.  Currently, I am still waiting to see several transations appear I did a few weeks ago.

Customer service is fast, true, but it's always to tell you they can't do something because of "policy". 

Unreliable, unhelpful and too big for the small town britches.  We are finding a new bank.  Run away from them, BoA is a better company.

I Like Capital Bank

I opened this account when the interest rate on checking was 5.01% annually. Even though those days are long gone, I still get 1.24% and all I have to do is keep $1500 (it's like having a savings account) and use my debit card 10 times a month (I use it for the $10 or less purchases and use my Chase Rewards Card for everything else so I get cash back), oh, and I direct deposit my social security check. The ATM fee refunds (for using another bank's machine) come back to me promptly on every statement. Don't know about bill paying since I don't use that service but I'm very happy with everything else.

Worst Bank Ever

The bank made promises that were not delivered. Left a bank I have working with for years. After 7 months left Capital to go back to the other company.


Data for Q1 2014

Institution Health


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, National Association had $337.24 million in non-current loans and owned real-estate with $1.17 billion in equity and loan loss allowances on hand to cover it. This gives Capital Bank, National Association a Texas Ratio of 28.79% 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 decreased slightly from 38.87% as of March 31, 2013 to 28.79% as of March 31, 2014, resulting in a positive change of 25.93%.This indicates that the balance sheet and financial strength for Capital Bank, National Association has improved slightly in recent periods.

Deposit Growth


In the past year, Capital Bank, National Association has decreased its total deposits by -$503.11 million, resulting in -8.69% 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 below 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, National Association has $6.55 billion in assets with $1.17 billion in equity, resulting in a capitalization level of 17.88%, which is excellent.

Institution Statistics

FDIC Certificate #59049
Year Established2010
Primary RegulatorOCC
Assets and Liabilities
Assets$6.55 billion
Loans$4.49 billion
Deposits$5.29 billion
Equity Capital$1.12 billion
Loan Loss Allowance$55.61 million
Unbacked Noncurrent Loans$235.61 million
Real Estate Owned$101.62 million
Historic Data - March 2013
Assets$7.09 billion
Equity Capital$1.17 billion
Loan Loss Allowance$56.31 million
Unbacked Noncurrent Loans$235.61 million
Real Estate Owned$118.83 million
Profit Margin - Quarterly
Return on Assets0.83%
Return on Equity4.96%
Interest Income$68.65 million

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Capital Bank, National Association has 165 locations. Click to view all Capital Bank, National Association locations.