Capital Bank National Assn (FDIC #35278): Bank Stress & Real-Estate Credit Exposure
Capital Bank National Assn (FDIC Cert #35278): bank stress 69/100, elevated, STABLE over 7 days; parent CAPITAL BCORP INC.
Capital Bank National Assn (#35278) lends in 7 counties across 6 states; Capital Bank National Assn (#35278) reaches 454 ZIP codes: Maryland 2 counties, 74 ZIPs; Illinois 1 county, 178 ZIPs; District of Columbia 1 county, 57 ZIPs; Florida 1 county, 55 ZIPs; Virginia 1 county, 49 ZIPs; North Carolina 1 county, 41 ZIPs.
Capital Bank National Assn (#35278) largest markets: Cook County, IL (178 branches, 178 ZIPs) (#35278), District Of Columbia County, DC (57 branches, 57 ZIPs) (#35278), Broward County, FL (55 branches, 55 ZIPs) (#35278), Montgomery County, MD (106 branches, 53 ZIPs) (#35278), Fairfax County, VA (49 branches, 49 ZIPs) (#35278), Wake County, NC (41 branches, 41 ZIPs) (#35278).
Capital Bank National Assn (#35278) reports $3.84 billion in total assets; Capital Bank National Assn (#35278) equity $349.5 million (9.1% of Capital Bank National Assn (#35278) assets); Capital Bank National Assn (#35278) domestic deposits $3.39 billion; Capital Bank National Assn (#35278) net income $23.1 million; Capital Bank National Assn (#35278) return on assets 1.24%; Capital Bank National Assn (#35278) return on equity 13.52%; Capital Bank National Assn (#35278) net interest income $99.0 million; Capital Bank National Assn (#35278) call report June 30, 2026.
Capital Bank National Assn (#35278) noncurrent real-estate loans 0.04% of its book; Capital Bank National Assn (#35278) net charge-offs on real estate 1.61%; Capital Bank National Assn (#35278) multifamily charge-offs 0.21%; Capital Bank National Assn (#35278) residential charge-offs 1.15%.
Capital Bank National Assn (#35278) net interest margin 5.64% against an eight-quarter Capital Bank National Assn (#35278) average of 6.06% (Capital Bank National Assn (#35278) compression 0.42 points); Capital Bank National Assn (#35278) real-estate loans 3.7% of equity; Capital Bank National Assn (#35278) non-residential real estate 115.1% of equity; Capital Bank National Assn (#35278) rate-exposure score 40/100, Capital Bank National Assn (#35278) fixed-rate trap 40/100; Capital Bank National Assn (#35278) risk type credit driven; Capital Bank National Assn (#35278) rate regime rates elevated, Capital Bank National Assn (#35278) snapshot October 20, 2026.
Capital Bank National Assn (#35278) stress score moved from 69.2 on June 22, 2026 to 68.8 on October 20, 2026; Capital Bank National Assn (#35278) ranged 68.8 to 69.2 over 117 snapshots.
Capital Bank National Assn (#35278) alerts: 7 counties; top Capital Bank National Assn (#35278) alert scores: Washington County, MD 39 (moderate); Columbia County, MD 22 (low); Fort Lauderdale County, MD 22 (low); Raleigh County, MD 22 (low); Reston County, MD 22 (low).