BlastPoint's Banking Scorecard
Capital Bank
Community
Specialty: Commercial
TX
FDIC cert 19401
Jacinto City, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
Capital Bank shows strong momentum with 3 strengths and 5.7% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 36% in Community
- + Delinquency Rate 0.62% below tier
- + Nonperforming Asset Ratio 0.48% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$673.4M
+5.7% YoY
-0.1% QoQ
|
-$718.1M |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
25% |
| Total Loans ? |
$570.7M
+7.6% YoY
+2.2% QoQ
|
-$404.8M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
38% |
| Total Deposits ? |
$589.6M
+3.8% YoY
+1.7% QoQ
|
-$575.0M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
26% |
| Return on Assets ? |
1.42%
+21.5% YoY
+4.5% QoQ
|
+0.26% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
70% |
| Net Interest Margin ? |
4.67%
+14.8% YoY
+1.4% QoQ
|
+1.01% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Top 9% in tier |
| Efficiency Ratio ? |
60.38%
-6.8% YoY
-1.6% QoQ
|
-2.25% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
55% |
| Delinquency Rate ? |
0.00%
-19.4% YoY
-78.4% QoQ
|
-0.62% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Top 5% in tier |
| Loan-to-Deposit Ratio ? |
96.79%
+3.7% YoY
+0.5% QoQ
|
+13.73% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
81% |
| Non-Interest-Bearing Deposit Share ? |
36.22%
-1.3% YoY
-3.5% QoQ
|
+15.18% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 7% in tier |
| Nonperforming Asset Ratio ? |
0.01%
-14.6% YoY
-51.3% QoQ
|
-0.48% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Top 7% in tier |
| Tier 1 Capital Ratio ? |
12.79%
+2.9% YoY
+0.3% QoQ
|
+2.55% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
56% |
| Non-Interest Income / Assets ? |
0.41%
-4.9% YoY
+38.4% QoQ
|
-0.33% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
37% |
Signature Analysis
Strengths (3)
Deposit Franchise
growth
#54 of 150 · Top 36% in Community
Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Why this signature
Noninterest-Bearing Deposit Share:
36.22%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
4.67%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
|
QoQ rank improving
Delinquency Rate
metric
Top 5%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 7%
in Community
Why this stands out
Current:
0.01%
(Tier avg: 0.50%, National avg: 0.48%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
95
95th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%
93
93th pctile
Non-Interest-Bearing Deposit Share
Current: 36.22% · Tier avg: 21.05%
93
93th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.50%
91
91th pctile
Net Interest Margin
Current: 4.67% · Tier avg: 3.66%
81
81th pctile
Loan-to-Deposit Ratio
Current: 96.79% · Tier avg: 83.06%
70
70th pctile
Return on Assets
Current: 1.42% · Tier avg: 1.16%
56
56th pctile
Tier 1 Capital Ratio
Current: 12.79% · Tier avg: 10.24%
55
55th pctile
Efficiency Ratio
Current: 60.38% · Tier avg: 62.63%
38
38th pctile
Total Loans
Current: $570.7M · Tier avg: $975.5M
37
37th pctile
Non-Interest Income / Assets
Current: 0.41% · Tier avg: 0.74%
26
26th pctile
Total Deposits
Current: $589.6M · Tier avg: $1.2B
25
25th pctile
Total Assets
Current: $673.4M · Tier avg: $1.4B
Top Weaknesses
25
25th pctile
Total Assets
Current: $673.4M · Tier avg: $1.4B
26
26th pctile
Total Deposits
Current: $589.6M · Tier avg: $1.2B
37
37th pctile
Non-Interest Income / Assets
Current: 0.41% · Tier avg: 0.74%
38
38th pctile
Total Loans
Current: $570.7M · Tier avg: $975.5M
55
55th pctile
Efficiency Ratio
Current: 60.38% · Tier avg: 62.63%
56
56th pctile
Tier 1 Capital Ratio
Current: 12.79% · Tier avg: 10.24%
70
70th pctile
Return on Assets
Current: 1.42% · Tier avg: 1.16%
81
81th pctile
Loan-to-Deposit Ratio
Current: 96.79% · Tier avg: 83.06%
91
91th pctile
Net Interest Margin
Current: 4.67% · Tier avg: 3.66%
93
93th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.50%
93
93th pctile
Non-Interest-Bearing Deposit Share
Current: 36.22% · Tier avg: 21.05%
95
95th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%