Capital Bank (TX)

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

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 142^nd largest bank in the state of Texas. It is also the 1,479^th largest bank in the nation. It was established in 1965 and as of March of 2025, it had grown to 96 employees at 9 locations. Capital Bank (TX)'s money market rates are 4X the national average, and it boasts an A+ health rating.

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Health

A+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	19401
Year Established	1965
Employees	96
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.24%
Return on Equity - YTD	12.75%
Annual Interest Income	$9.2MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$642.8MM$594.4MM
Loans	Q1 2025vs Q1 2024	$532.1MM$504.9MM
Deposits	Q1 2025vs Q1 2024	$571.2MM$529.1MM
Equity Capital	Q1 2025vs Q1 2024	$63.5MM$57.6MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$6.4MM$6.3MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$30K$269K
Real Estate Owned	Q1 2025vs Q1 2024	$73K$73K

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

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	VIEW DETAILS
0.25%	$100	-	Savings Account
0.25%	$100	-	Business Savings Account

Capital Bank (TX) Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
1.96%^*	$250k^*	-	Investors' Choice Money Market Account
OTHER TIERS: 0.25% → $1k - $25k \| 0.30% → $25k - $50k \| 0.60% → $50k - $100k \| 1.46% → $100k - $250k
1.96%^*	$250k^*	-	Business Investors' Choice Money Market Account
OTHER TIERS: 0.25% → $1k - $25k \| 0.30% → $25k - $50k \| 0.60% → $50k - $100k \| 1.46% → $100k - $250k
1.11%^*	$100k^*	-	Capital Plus Tiered Money Market Account
OTHER TIERS: 0.03% → $2.5k - $5k \| 0.05% → $5k - $25k \| 0.25% → $25k - $50k \| 0.50% → $50k - $100k
1.11%^*	$100k^*	-	Business Capital Plus Tiered Money Market Account
OTHER TIERS: 0.03% → $2.5k - $5k \| 0.05% → $5k - $25k \| 0.25% → $25k - $50k \| 0.50% → $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%	$0	-	IOLTA Account

Capital Bank (TX) CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.16%^*	$250k^*	-	3 Month CD
OTHER TIERS: 3.55% → $500 - $100k \| 3.80% → $100k - $250k
4.16%^*	$250k^*	-	Business 3 Month CD
OTHER TIERS: 3.55% → $500 - $100k \| 3.80% → $100k - $250k
4.01%^*	$250k^*	-	6 Month CD
OTHER TIERS: 3.49% → $500 - $100k \| 3.75% → $100k - $250k
4.01%^*	$250k^*	-	Business 6 Month CD
OTHER TIERS: 3.49% → $500 - $100k \| 3.75% → $100k - $250k
3.70%^*	$250k^*	-	9 Month CD
OTHER TIERS: 3.19% → $500 - $100k \| 3.44% → $100k - $250k
3.70%^*	$250k^*	-	Business 9 Month CD
OTHER TIERS: 3.19% → $500 - $100k \| 3.44% → $100k - $250k
3.14%^*	$250k^*	-	12 Month CD
OTHER TIERS: 2.32% → $500 - $100k \| 2.57% → $100k - $250k
3.14%^*	$250k^*	-	Business 12 Month CD
OTHER TIERS: 2.32% → $500 - $100k \| 2.57% → $100k - $250k
2.52%^*	$250k^*	-	18 Month CD
OTHER TIERS: 2.01% → $500 - $100k \| 2.27% → $100k - $250k
2.52%^*	$250k^*	-	Business 18 Month CD
OTHER TIERS: 2.01% → $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
0.90%^*	$250k^*	-	24 Month CD
OTHER TIERS: 0.55% → $500 - $100k \| 0.80% → $100k - $250k
0.90%^*	$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
3.14%^*	$250k^*	-	12 Month IRA
OTHER TIERS: 2.32% → $500 - $100k \| 2.57% → $100k - $250k
2.52%^*	$250k^*	-	18 Month IRA
OTHER TIERS: 2.01% → $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
0.90%^*	$250k^*	-	24 Month IRA
OTHER TIERS: 0.55% → $500 - $100k \| 0.80% → $100k - $250k
0.10%	$0	-	Variable Rate IRA

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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