# CAPITAL BANK
ST. PAUL, MN · FDIC certificate 17640 · asset band <$300M · latest filing 2016-06 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $35.4M | |
| Deposits | $30.5M | |
| Loans and leases | $15.0M | |
| Total equity | $4.8M | |
| Loans / deposits | 48.08% (p15 of band) | 74.58% |
| Liquid assets / assets | 55.27% (p85 of band) | |
| Uninsured deposits / deposits | 4.27% (p9 of band) | 14.02% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.65% (p63 of band) | 10.79% |
| Unrealized securities loss / equity | 11.44% (p96 of band) | 2.02% |
| AOCI / equity | 0.19% (p24 of band) | |
| ROA (annualized) | 0.31% (p15 of band) | 0.86% |
| Net interest margin | 3.35% (p32 of band) | 3.65% |
| Efficiency ratio | 87.54% (p84 of band) | |
| Noncurrent loans | 0.00% (p7 of band) | 0.67% |
| Net charge-offs (annualized) | 0.00% (p37 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 50% | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $91,000 (0.61% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -0.2% | |
| Employees | 10 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 4 | losing money, expense ratio p90, charge-offs p90 | noncurrent p90 |
| 2013-09 | 3 |  | expense ratio p90 |
| 2013-12 | 2 |  | reserve under noncurrent |
| 2014-03 | 0 |  | losing money, charge-offs p90 |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | uninsured deposits leaving |  |
| 2015-03 | 0 |  | uninsured deposits leaving |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | uninsured deposits leaving |  |
| 2016-06 | 0 |  | uninsured deposits leaving |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-05-19 [First Resource Bank to open 4,000-square-foot office in downtown Wayzata - The Business Journals](https://news.google.com/rss/articles/CBMimgFBVV95cUxPZU9zZEQwMjl5UWNfelA1blFvMDFOVjU3alFqNGswQ21jTFhLUDFCaFh1LU8xSUM4X3BESTVuWlF3ZjRQS3cySWhBMHM5UWhCWm5BTmpBYXVmTFRuNWgyS2pIOFZ2VU9RZTRoUXVJSE44UmZlUi1QYzRJd2xyVHBrdThIMUJQb181UWFRb0QxZjZnanZMVHhPdFZ3?oc=5) · The Business Journals
- 2026-02-02 [Detroit-based bank takes over assets of failed Chicago institution - The Detroit News](https://news.google.com/rss/articles/CBMizgFBVV95cUxNWVBRMVdQZGxFUDF0OVEtbmtsa2xMZXNLUlBUS2h6YWdXWWQtSjgzY0FVWDg5VGkwVkRHMTRUTTN4bTd2V2VXQkVjRzh6bExkMlhGbTJla2hCZm1kQ0x5TVlzR3dodDBTamhPRnlQeDZTMnlCWTBsQVVDWVBYMEowQThNRklpcGlLSUtFNlZEZFpYb2Q4NjlIZ0lxU0VnTWpjTy1TTFgyMko1b2VlbFp0cDRKNXhBYm1qYzJ2RFoyWG1IenduTklqNDFsSWg1Zw?oc=5) · The Detroit News
- 2026-02-02 [The first bank failure of 2026 - Chicago Sun-Times](https://news.google.com/rss/articles/CBMi0gFBVV95cUxNTDRFLWg3S1lkN0FWZlFQRkxLQ0I4TW4wQ3pCQ2dDclZ3OFdJUnNvRE54ckZXWEJPQThsbXFxUDQ1c2p1OEMtT1pqSUl4WTkzNUd5R1MxZWsyNHI0eV9BeTFnNE9BbHdyUXhUeE95c0l0U3hObU40Mk9Ma1lRM2M0cnFrV3k0SjBGU1pGSEZuQVR5SXVQbUhtbmJ4bDM1S2wyYmptX3FqU1AzVzM4STNHMUwwMEt1ZTZUZl9SejZsWG12QWZidm01elpPdVZRT0R0c1E?oc=5) · Chicago Sun-Times
- 2025-12-03 [Bank of the Year Awards 2025 – Africa - TheBanker.com](https://news.google.com/rss/articles/CBMiekFVX3lxTE1TXzdtTVJ0Z1M3cHBVQ2RJU25EVkIyRGxVODFBZXFIVWJDODNENE01OWZOLVhRWjVIdnJrWTAtZ3doamxoY2J4cWptMzdueFVzQ0hPTEk3M1h0Q1BLT01YdmU3dndzNmQ4TE02UXFVekh6OFNtaE55ZE9n?oc=5) · TheBanker.com
- 2026-06-18 [MidFirst Bank to buy Dallas-based commercial bank - Banking Dive](https://news.google.com/rss/articles/CBMipgFBVV95cUxPMGdwUEJlNVFPay1tLUs5NlM4cUlmUGtSYW8zNDA2aXp0VG1LbGRlRUJETThFcURyb3JJRnZYVmNKbjFzcVVSem1WQjFZU25OOEVOTWdhMnYwRW9FemZmOEhLMXpIZ2NMZXM3S0lXV21xcDZXT3R0MVJjT1A5Umh3dmw0eFJGczkzbVN2OHI3bmQzWUJGYTVlRHp4eTg1aFJUYkJMLUd3?oc=5) · Banking Dive
- 2025-09-15 [Celebrating 20 years of growing Tradition Capital Bank! - The Business Journals](https://news.google.com/rss/articles/CBMirAFBVV95cUxOQm1jcldPalA2YUJkR2dzdVRlSFVwWWVsaDdSdmt0QTBZMjVaMnFqWktiNl9aelBoWFl3TmdmcUNva0ZzNXptZklDWmtVb25lR3VSanlYdU1WbTJ6QzlZMG1XUl9oZ2RCTGpYdXBMb0hNcGVxSnhZQ3RnNU9HenYxLVNkeGlteGlCbEVaZzc2QjRqQU1vZG1PZTB0WEVhcGstZXRVR2hlUmRkTW40?oc=5) · The Business Journals
- 2020-08-25 [What works in community investment: The power of connection - Federal Reserve Bank of Minneapolis](https://news.google.com/rss/articles/CBMipAFBVV95cUxNYjNTSHRITFdab1pDWEE0U1VmWkVud0xnaDZjbU5RakJtT19CT3dMYktwVEtjWFpNaWN5UFAwTHpwOE9aN0pxOFljNEVUVGNQUnhWa29JWFlCTGpKdUIxYkxxQUNqOU1VOVd6UXAzakRyb1ZKdkpoMnRKbmtXRFVraDN4VHVUZ1R3WkZsX0pGYm9JR3d5RU4yQ1NoT01jcGlIckZGZQ?oc=5) · Federal Reserve Bank of Minneapolis

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17640 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/40.json (key "17640", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide