BlastPoint's Banking Scorecard
Capitol Bank
Community
Specialty: Commercial
WI
FDIC cert 34074
Madison, WI
1484
banks in Community tier nationally
63 in WI
View Community leaderboard (WI) →
Capitol Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 37% in Community
- + Nonperforming Asset Ratio 0.48% below tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 2% in Community
- - Flatlined Growth: Bottom 33% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$633.7M
+0.7% YoY
+3.0% QoQ
|
-$757.8M |
$1.4B
+2.0% YoY
|
$1.1B
+5.1% YoY
|
$5.9B
+6.5% YoY
|
19% |
| Total Loans ? |
$472.0M
-3.6% YoY
+0.2% QoQ
|
-$503.5M |
$975.5M
+2.4% YoY
|
$768.8M
+4.7% YoY
|
$3.1B
+8.5% YoY
|
26% |
| Total Deposits ? |
$542.8M
+0.6% YoY
+3.8% QoQ
|
-$621.8M |
$1.2B
+1.7% YoY
|
$858.9M
+4.5% YoY
|
$4.7B
+6.3% YoY
|
20% |
| Return on Assets ? |
0.85%
+34.0% YoY
+8.4% QoQ
|
-0.31% |
1.16%
+17.2% YoY
|
1.12%
+22.4% YoY
|
1.12%
+15.6% YoY
|
28% |
| Net Interest Margin ? |
2.92%
+15.0% YoY
+1.9% QoQ
|
-0.75% |
3.66%
+9.1% YoY
|
3.60%
+10.9% YoY
|
3.75%
+7.1% YoY
|
Bottom 15% in tier |
| Efficiency Ratio ? |
62.91%
-10.6% YoY
-1.9% QoQ
|
+0.28% |
62.63%
-5.3% YoY
|
64.76%
-6.6% YoY
|
65.09%
-5.1% YoY
|
48% |
| Delinquency Rate ? |
0.02%
+160.1% QoQ
|
-0.61% |
0.63%
+18.3% YoY
|
0.52%
+44.6% YoY
|
0.66%
+20.3% YoY
|
Top 7% in tier |
| Loan-to-Deposit Ratio ? |
86.95%
-4.2% YoY
-3.4% QoQ
|
+3.89% |
83.06%
+0.3% YoY
|
85.80%
+1.3% YoY
|
78.04%
+0.7% YoY
|
44% |
| Non-Interest-Bearing Deposit Share ? |
14.28%
-2.9% YoY
-15.2% QoQ
|
-6.77% |
21.05%
-0.9% YoY
|
18.83%
-1.2% YoY
|
21.79%
-1.3% YoY
|
23% |
| Nonperforming Asset Ratio ? |
0.01%
-89.0% YoY
-82.9% QoQ
|
-0.48% |
0.50%
+20.3% YoY
|
0.37%
+20.8% YoY
|
0.48%
+20.8% YoY
|
Top 7% in tier |
| Tier 1 Capital Ratio ? |
13.92%
+9.9% YoY
-0.7% QoQ
|
+3.68% |
10.24%
-0.6% YoY
|
8.70%
-2.9% YoY
|
9.75%
-1.9% YoY
|
67% |
| Non-Interest Income / Assets ? |
0.20%
-12.8% YoY
+22.7% QoQ
|
-0.54% |
0.74%
-1.3% YoY
|
0.58%
+3.9% YoY
|
0.65%
+0.6% YoY
|
Bottom 12% in tier |
Signature Analysis
Strengths (2)
Credit Quality Leader
growth
#139 of 371 · Top 37% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.02%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Nonperforming Asset Ratio
metric
Top 7%
in Community
Why this stands out
Current:
0.01%
(Tier avg: 0.50%, National avg: 0.48%)
Concerns (2)
Credit Quality Pressure
risk
#17 of 808 · Bottom 2% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.02%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
Flatlined Growth
risk
#82 of 245 · Bottom 33% in Community
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
0.85%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
|
QoQ rank improving
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
93
93th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.50%
93
93th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.63%
67
67th pctile
Tier 1 Capital Ratio
Current: 13.92% · Tier avg: 10.24%
48
48th pctile
Efficiency Ratio
Current: 62.91% · Tier avg: 62.63%
44
44th pctile
Loan-to-Deposit Ratio
Current: 86.95% · Tier avg: 83.06%
28
28th pctile
Return on Assets
Current: 0.85% · Tier avg: 1.16%
26
26th pctile
Total Loans
Current: $472.0M · Tier avg: $975.5M
23
23th pctile
Non-Interest-Bearing Deposit Share
Current: 14.28% · Tier avg: 21.05%
20
20th pctile
Total Deposits
Current: $542.8M · Tier avg: $1.2B
19
19th pctile
Total Assets
Current: $633.7M · Tier avg: $1.4B
15
15th pctile
Net Interest Margin
Current: 2.92% · Tier avg: 3.66%
12
12th pctile
Non-Interest Income / Assets
Current: 0.20% · Tier avg: 0.74%
Top Weaknesses
12
12th pctile
Non-Interest Income / Assets
Current: 0.20% · Tier avg: 0.74%
15
15th pctile
Net Interest Margin
Current: 2.92% · Tier avg: 3.66%
19
19th pctile
Total Assets
Current: $633.7M · Tier avg: $1.4B
20
20th pctile
Total Deposits
Current: $542.8M · Tier avg: $1.2B
23
23th pctile
Non-Interest-Bearing Deposit Share
Current: 14.28% · Tier avg: 21.05%
26
26th pctile
Total Loans
Current: $472.0M · Tier avg: $975.5M
28
28th pctile
Return on Assets
Current: 0.85% · Tier avg: 1.16%
44
44th pctile
Loan-to-Deposit Ratio
Current: 86.95% · Tier avg: 83.06%
48
48th pctile
Efficiency Ratio
Current: 62.91% · Tier avg: 62.63%
67
67th pctile
Tier 1 Capital Ratio
Current: 13.92% · Tier avg: 10.24%
93
93th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.63%
93
93th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.50%