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Capital Bank
Jacinto City, TX · FDIC Certificate #19401 · Chartered 04/1
Total assets
$689.72M
Total deposits
$608.74M
Total equity
$72.21M
Net loans
$584.87M
Branches (offices)
9
Net income (YTD)
$5.85M
Rank: #1,384 of 4,213 U.S. banks by assets · #126 of 346 in Texas. Assets changed 3.6% and deposits 2.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.71% |
| Return on equity | 16.53% |
| Net interest margin (YTD) | 5.09% |
| Equity to assets | 10.47% |
| Tier 1 leverage ratio | 10.81% |
| Uninsured deposits (share of deposits) | 31.0% |
| Noncurrent loans (share of loans) | 0.01% |
| Net charge-offs (share of loans) | 0.11% |
| Loans to deposits | 96.1% |
| Real estate loans (share of loans) | 94.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $552.62M | 94.5% | |
| Commercial & industrial | $27.65M | 4.7% | |
| Consumer / individual | $11.16M | 1.9% | |
| Construction & development | $58.26M | 10.0% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $594.77M | $532.06M | $3.38M | $50.60M |
| Jun 2023 | $573.54M | $504.11M | $3.95M | $53.87M |
| Jun 2024 | $620.20M | $533.88M | $3.10M | $57.84M |
| Jun 2025 | $665.89M | $593.31M | $4.12M | $63.89M |
| Jun 2026 | $689.72M | $608.74M | $5.85M | $72.21M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $608.74M | 9 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $608.74M.
Similar-sized banks
Citizens Bank ($690.63M) · First State Bank Of Livingston ($689.30M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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