Capital Bank, National Association (MD)
Capital Bank, National Association (MD) is headquartered in ROCKVILLE and is the 6th largest bank in the state of Maryland. It is also the 528th largest bank in the nation. It was established in 1999 and as of June of 2023, it had grown to 291 employees at 5 locations. Capital Bank, National Association (MD) has a B+ health rating.
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Capital Bank NA. The Best Bank Ever For Small Business!
I totally recommended. The customer service is excelent. If you are starting or have your small business and need a loan or credit line for your business stop by Capital Bank.
One Church St., Ste. 100
Rockville, MD 20850
240-283-0416
Otto Gonzalez is amazing. He is always there ready to help you and assist you at any time.
Cody Encarnacion
Owner/President
Turbo Green Services and Solutions LLC
www.turbogreenss.com
Very Bad Experience - Avoid!!
Around Jan 28,2020 I attempted to refinance 2 investment properties with Capital Bank NA.I requested and was provided quotes outlining the terms including rate and closing costs involved and based on this information I decided to proceed with them (I had other quotes from other lenders).I provided them the necessary personal information which they processed and following this they ordered appraisals for the properties.The valuations of the appraisals came back with one property being higher than the originally estimated amount and the second lower than the estimated value.Initially I was advised by them that due to the lower valuation (for the property that came back lower) the loan amount will be lower for that property and I agreed to that.After I agreed to the lower amount, they said that they will not be able to do the loan under the original terms (rate and closing costs) and provided me revised closing terms with a much higher rate (addition of 0.375% to the rate) as well as much higher closing costs (Additional 2.25 points to the original closing costs quoted).The revised terms will end up costing me thousands in additional closing costs as well as thousands in additional interest over the life of the loan.For the second loan (the one that the value came back higher) they raised the closing costs significantly (raised the title fees).I tried to get an explanation as to the drastic changed terms and they stated that since my new loan amount is lower than the original (which is true for one of the properties ,the second loan amount being higher than the initial amount) they can no longer honor their initial commitment and provided me with the new outrageously high rate and terms.I ultimately decided not to pursue the loans with them and now they want to charge me fees over $1000 for their services since I did not close the loan with them.It seems to me that this is a classic case of a bait and switch techniques in order to attract customers with low enticing rates and terms and during the process, switch to substantially higher rates and fees.
Capital Bank NA : Worse And Rude Customer Service Ever Existed.
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.
Data as of Q2 2023
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| FDIC Certificate # | 35278 |
| Year Established | 1999 |
| Employees | 291 |
| Primary Regulator | OCC |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 1.49% |
| Return on Equity - YTD | 16.85% |
| Annual Interest Income | $86.5MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q2 2023vs Q2 2022 | $2.17B$2.11B |
| Loans | Q2 2023vs Q2 2022 | $1.77B$1.56B |
| Deposits | Q2 2023vs Q2 2022 | $1.94B$1.89B |
| Equity Capital | Q2 2023vs Q2 2022 | $194.2MM$172.3MM |
| Loan Loss Allowance | Q2 2023vs Q2 2022 | $27.0MM$25.9MM |
| Unbacked Noncurrent Loans | Q2 2023vs Q2 2022 | $15.9MM$6.8MM |
| Real Estate Owned | Q2 2023vs Q2 2022 | $0$0 |