Capital Bank (TX)

Overview / Commentary

www.capitalbanktx.com

713-675-2341

10304 East Freeway
Jacinto City, TX 77029

Capital Bank (TX) is headquartered in JACINTO CITY and is the 150^th largest bank in the state of Texas. It is also the 1,550^th largest bank in the nation. It was established in 1965 and as of December of 2023, it had grown to 93 employees at 8 locations. Capital Bank (TX)'s money market rates are 5X the national average, and it has an A health rating.

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Health

Data as of Q4 2023

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Health Grade Components

Overall
FDIC Certificate #	19401
Year Established	1965
Employees	93
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.27%
Return on Equity - YTD	13.46%
Annual Interest Income	$29.5MM

Assets and Liabilities
Assets	Q4 2023vs Q4 2022	$591.9MM$585.1MM
Loans	Q4 2023vs Q4 2022	$494.6MM$459MM
Deposits	Q4 2023vs Q4 2022	$526.3MM$517.2MM
Equity Capital	Q4 2023vs Q4 2022	$56.8MM$52.8MM
Loan Loss Allowance	Q4 2023vs Q4 2022	$6.2MM$5.3MM
Unbacked Noncurrent Loans	Q4 2023vs Q4 2022	$0$0
Real Estate Owned	Q4 2023vs Q4 2022	$73K$0

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Capital Bank (TX) Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.25%	$100	-	Savings Account
0.25%	$100	-	Business Savings Account
0.10%	-	-	Variable Rate IRA

Capital Bank (TX) Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
2.02%^*	$250k^*	-	Investors' Choice Money Market Account
OTHER TIERS: 0.25% → $1k - $25k \| 0.35% → $25k - $50k \| 0.65% → $50k - $100k \| 1.51% → $100k - $250k
2.02%^*	$250k^*	-	Business Investors' Choice Money Market Account
OTHER TIERS: 0.25% → $1k - $25k \| 0.35% → $25k - $50k \| 0.65% → $50k - $100k \| 1.51% → $100k - $250k
1.26%^*	$100k^*	-	Capital Plus Tiered Money Market Account
OTHER TIERS: 0.03% → Up to $5k \| 0.05% → $5k - $25k \| 0.35% → $25k - $50k \| 0.75% → $50k - $100k
1.26%^*	$100k^*	-	Business Capital Plus Tiered Money Market Account
OTHER TIERS: 0.03% → Up to $5k \| 0.05% → $5k - $25k \| 0.35% → $25k - $50k \| 0.75% → $50k - $100k

Capital Bank (TX) Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.15%	$2k	-	Capital NOW Account
0.15%	$2k	-	Business Capital NOW Account
0.10%	-	-	IOLTA Account

Capital Bank (TX) CD Rates

APY	MIN	MAX	ACCOUNT NAME
5.09%^*	$250k^*	-	6 Month CD
OTHER TIERS: 4.06% → $500 - $100k \| 4.58% → $100k - $250k
5.09%^*	$250k^*	-	Business 6 Month CD
OTHER TIERS: 4.06% → $500 - $100k \| 4.58% → $100k - $250k
4.83%^*	$250k^*	-	9 Month CD
OTHER TIERS: 3.80% → $500 - $100k \| 4.32% → $100k - $250k
4.83%^*	$250k^*	-	Business 9 Month CD
OTHER TIERS: 3.80% → $500 - $100k \| 4.32% → $100k - $250k
4.52%^*	$250k^*	-	3 Month CD
OTHER TIERS: 4.01% → $500 - $100k \| 4.27% → $100k - $250k
4.52%^*	$250k^*	-	Business 3 Month CD
OTHER TIERS: 4.01% → $500 - $100k \| 4.27% → $100k - $250k
3.70%^*	$250k^*	-	12 Month CD
OTHER TIERS: 2.93% → $500 - $100k \| 3.19% → $100k - $250k
3.70%^*	$250k^*	-	Business 12 Month CD
OTHER TIERS: 2.93% → $500 - $100k \| 3.19% → $100k - $250k
2.78%^*	$250k^*	-	18 Month CD
OTHER TIERS: 2.02% → $500 - $100k \| 2.27% → $100k - $250k
2.78%^*	$250k^*	-	Business 18 Month CD
OTHER TIERS: 2.02% → $500 - $100k \| 2.27% → $100k - $250k
1.26%^*	$250k^*	-	60 Month CD
OTHER TIERS: 0.75% → $500 - $100k \| 1.00% → $100k - $250k
1.26%^*	$250k^*	-	Business 60 Month CD
OTHER TIERS: 0.75% → $500 - $100k \| 1.00% → $100k - $250k
1.10%^*	$250k^*	-	30 Month CD
OTHER TIERS: 0.60% → $500 - $100k \| 0.85% → $100k - $250k
1.10%^*	$250k^*	-	36 Month CD
OTHER TIERS: 0.60% → $500 - $100k \| 0.85% → $100k - $250k
1.10%^*	$250k^*	-	48 Month CD
OTHER TIERS: 0.60% → $500 - $100k \| 0.85% → $100k - $250k
1.10%^*	$250k^*	-	Business 30 Month CD
OTHER TIERS: 0.60% → $500 - $100k \| 0.85% → $100k - $250k
1.10%^*	$250k^*	-	Business 36 Month CD
OTHER TIERS: 0.60% → $500 - $100k \| 0.85% → $100k - $250k
1.10%^*	$250k^*	-	Business 48 Month CD
OTHER TIERS: 0.60% → $500 - $100k \| 0.85% → $100k - $250k
1.05%^*	$250k^*	-	24 Month CD
OTHER TIERS: 0.55% → $500 - $100k \| 0.80% → $100k - $250k
1.05%^*	$250k^*	-	Business 24 Month CD
OTHER TIERS: 0.55% → $500 - $100k \| 0.80% → $100k - $250k

Capital Bank (TX) IRA Rates

APY	MIN	MAX	ACCOUNT NAME
3.70%^*	$250k^*	-	12 Month IRA
OTHER TIERS: 2.93% → $500 - $100k \| 3.19% → $100k - $250k
2.78%^*	$250k^*	-	18 Month IRA
OTHER TIERS: 2.02% → $500 - $100k \| 2.27% → $100k - $250k
1.26%^*	$250k^*	-	60 Month IRA
OTHER TIERS: 0.75% → $500 - $100k \| 1.00% → $100k - $250k
1.10%^*	$250k^*	-	36 Month IRA
OTHER TIERS: 0.60% → $500 - $100k \| 0.85% → $100k - $250k
1.05%^*	$250k^*	-	24 Month IRA
OTHER TIERS: 0.55% → $500 - $100k \| 0.80% → $100k - $250k

Locations

Capital Bank (TX) Locations
Capital Bank	10304 East Fwy	Jacinto City, TX 77029
Pearland Branch	1813 Broadway St	Pearland, TX 77581
Deer Park Branch	3500 East Boulevard	Deer Park, TX 77536
Garth Road Branch	3719 Garth Road	Baytown, TX 77521
Fairmont Parkway Branch	6101 Fairmont Parkway	Pasadena, TX 77505
Sugar Land Branch	1914 Wescott Avenue Suite 100	Sugar Land, TX 77479
Capital Bank - Eagle's Trace	14703 Eagle Vista Drive	Houston, TX 77077
Capital Bank- Katy Banking Center Br	23033 Grand Circle Boulevard	Katy, TX 77449

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