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919-645-0868
333 Fayetteville Street
Raleigh, NC 27601

Capital Bank (NC) is headquartered in Raleigh and is the 4th largest bank in the state of North Carolina. It is also the 151st largest bank in the nation. It was established in 2010 and as of September of 2016, it had grown to 1,325 employees at 158 locations. Capital Bank (NC) has an A health rating.

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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.

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.

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.

New Online Banking System Is Making Us Look Elsewhere

We've banked with Capital for many years, but sadly their new online banking system has caused us so many issues that we are in the process of moving all of our personal and business accounts elsewhere.

It is non-intuitive, illogical and includes new bill paying rules that were invoked without any communication.

When the new online service was rolled out in Nov. 2016 - I suddenly found my accounts debited a day before I requested that the bill be paid. This resulted in an overdraft charge - since reversed.

Customer service is useless and you can no longer reach anyone that works for Capital - unless you call the branch.

We really liked Capital - but can no longer trust that their services will provide us with what we need, let alone function in any sane manner.

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Health

Health Grade Components

Overall
FDIC Certificate #59049
Year Established2010
Employees1325
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.9%
Return on Equity - YTD7.06%
Annual Interest Income$210.0MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$7.79B$7.26B
LoansQ3 2016vs Q3 2015$5.89B$5.36B
DepositsQ3 2016vs Q3 2015$6.18B$5.72B
Equity CapitalQ3 2016vs Q3 2015$967.4MM$958.5MM
Loan Loss AllowanceQ3 2016vs Q3 2015$44.0MM$46.3MM
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$20.1MM$26.0MM
Real Estate OwnedQ3 2016vs Q3 2015$46.0MM$54.4MM
Rates

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Locations

Capital Bank (NC) has 197 locations. Click to view all Capital Bank (NC) locations.