Capital Bank (FDIC #19401): Bank Stress & Real-Estate Credit Exposure

Capital Bank (FDIC Cert #19401): bank stress 55/100, moderate, STABLE over 7 days; parent JSA FAMILY LTD PARTNERSHIP.

Capital Bank (#19401) lends in 3 counties across 1 state; Capital Bank (#19401) reaches 181 ZIP codes: Texas 3 counties, 181 ZIPs.

Capital Bank (#19401) largest markets: Harris County, TX (1,001 branches, 143 ZIPs) (#19401), Fort Bend County, TX (35 branches, 35 ZIPs) (#19401), Brazoria County, TX (21 branches, 21 ZIPs) (#19401).

Capital Bank (#19401) reports $689.7 million in total assets; Capital Bank (#19401) equity $72.2 million (10.5% of Capital Bank (#19401) assets); Capital Bank (#19401) domestic deposits $608.7 million; Capital Bank (#19401) net income $5.8 million; Capital Bank (#19401) return on assets 1.71%; Capital Bank (#19401) return on equity 16.53%; Capital Bank (#19401) net interest income $16.7 million; Capital Bank (#19401) call report June 30, 2026.

Capital Bank (#19401) noncurrent real-estate loans 0.10% of its book; Capital Bank (#19401) multifamily 2.14%; Capital Bank (#19401) net charge-offs on real estate 0.01%.

Capital Bank (#19401) net interest margin 5.09% against an eight-quarter Capital Bank (#19401) average of 4.53% (Capital Bank (#19401) compression -0.56 points); Capital Bank (#19401) real-estate loans 9.9% of equity; Capital Bank (#19401) rate-exposure score 40/100, Capital Bank (#19401) fixed-rate trap 40/100; Capital Bank (#19401) risk type credit driven; Capital Bank (#19401) rate regime rates elevated, Capital Bank (#19401) snapshot October 19, 2026.

Capital Bank (#19401) stress score moved from 56.2 on June 22, 2026 to 54.8 on October 20, 2026; Capital Bank (#19401) ranged 54.8 to 56.2 over 117 snapshots.

Capital Bank (#19401) alerts: 3 counties; top Capital Bank (#19401) alert scores: Pasadena County, TX 18 (low); Pearland County, TX 18 (low); Sugar Land County, TX 18 (low).