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Overview / Commentary
333 Fayetteville Street
Raleigh, NC 27601

Capital Bank Corporation was originally established as NAFH National Bank in 2010. The next year, its name changed to Capital Bank, National Association. The bank adopted its current name in 2015, the same year it became a commercial bank. At the time of this writing, Capital Bank operates approximately 200 branches in a handful of states in the southeastern United States.

Per Capital Bank’s Corporate Overview, the objective of the bank’s parent bank holding company, Capital Bank Financial Corporation, is “to create a regional banking franchise in the southeastern United States through organic growth and acquisitions of other banks, including failed, underperforming and undercapitalized banks.”

Capital Bank provides a variety of consumer and commercial banking products, including loans and depository products. As far as personal deposit accounts go, the bank offers savings accounts, checking accounts, money market accounts, Certificates of Deposits (CDs), and Individual Retirement Accounts (IRAs). Capital Bank offers both interest and non-interest bearing personal checking accounts. With its Emerald Banking Accounts suite of active relationship products, Capital Bank also offers interest bearing checking accounts which qualify customers for better interest rates on its CDs. Its personal CDs automatically renew upon maturing, although customers are given options about how to receive the interest dividends: they can reinvest the interest, receive interest checks each month, or “credit interest to a Capital Bank transaction account.” Capital Bank’s IRAs are also automatically renewable, and the bank offers Traditional IRAs, Roth IRAs, Coverdell Education Savings Accounts (CESAs), Simplified Employee Pensions (SEPs), and Add-On IRAs.

To keep things convenient and secure for its customers, Capital Bank offers online and mobile banking, bill pay, mobile check deposit, and electronic statements.

Capital Bank also offers business deposit accounts, including business checking accounts, business savings accounts, and business money market accounts. Its business checking accounts vary by transaction volume and required balance (to avoid monthly service charges). Capital Bank’s business money market accounts yield tiered rates based upon the account’s daily collected balance.

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I Like Capital Bank

Posted by: Lila | Jul 11, 2012

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.

Online Bank Is TERRIBLE

Posted by: Christy | Feb 7, 2017

I've been banking with Capital Bank for years. Never had any issues with them until the recent update on their online banking. It is TERRIBLE!! Bills that are set up are being paid 1-7 days late and therefore causing late fees on my end. I can't do banking with a company that is costing me money in lieu of making me money. Trying to reach someone during this stressful time is ridiculous and non-existent. Time to switch to a bank that WANTS my business.

Worst Bank To Have

After changing from community one this bank has went downhill, ACH being off days and causing late fees, that they will not take off, manager at asheboro office told me it not her fault i dont make enough money, me and my family will be leaving this money pit ASAP and advise others to look elsewhere, im sure other banks want your business and not a late fee, not to mention everyone is rude, terrible customer service

Disappointed With This Bank

Opened up a Business account with them because they did not require a minimum balance. Although they have been making efforts to try to become more up to date by getting a new website and mobile app there have been problems left and right.

1st of all, Customer Service takes forever to get in touch with you
2nd They sent me a new card in the mail, which I had not seen since I am away in college, and never notified me by email that they had cancelled my old card.
3rd Their ATM machines don't work a number of times.
4th Their website always has maintenance or problems with logging in for Online banking,

It is currently down for over 24 hours while they make adjustments. As a business owner, having a bank with this many complications ca impact the way I run my business.



Health Grade Components

FDIC Certificate #4977
Year Established1864
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.13%
Return on Equity - YTD11.18%
Annual Interest Income$702.3MM
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$29.44B$28.25B
LoansQ3 2017vs Q3 2016$20.31B$19.51B
DepositsQ3 2017vs Q3 2016$22.45B$21.81B
Equity CapitalQ3 2017vs Q3 2016$2.97B$2.95B
Loan Loss AllowanceQ3 2017vs Q3 2016$193.9MM$200.6MM
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$160.2MM$179.4MM
Real Estate OwnedQ3 2017vs Q3 2016$12.5MM$18.9MM
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Capital Bank (NC) CD Rates

1.09%$500-18 Month Step Rate CD Special