# CAPITAL BANK
JACINTO CITY, TX · FDIC certificate 19401 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. 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 | $689.7M | |
| Deposits | $608.7M | |
| Loans and leases | $591.7M | |
| Total equity | $72.2M | |
| Loans / deposits | 96.08% (p83 of band) | 82.04% |
| Liquid assets / assets | 12.73% (p11 of band) | |
| Uninsured deposits / deposits | 30.97% (p69 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.10% (p25 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.81% (p50 of band) | 10.81% |
| Unrealized securities loss / equity | -5.22% (p62 of band) | -8.10% |
| AOCI / equity | -1.31% (p16 of band) | |
| ROA (annualized) | 1.71% (p75 of band) | 1.28% |
| Net interest margin | 5.09% (p94 of band) | 3.91% |
| Efficiency ratio | 56.01% (p33 of band) | |
| Noncurrent loans | 0.01% (p10 of band) | 0.43% |
| Net charge-offs (annualized) | 0.09% (p84 of band) | |
| Reserve coverage of noncurrent | 14472.34% | |
| Real estate % of loans | 93% | |
| Construction % of loans | 80.68% (p78 of band) | |
| Auto loans | $210,000 (0.04% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 2.6% | |
| Employees | 101 | |

## 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 | 1 | uninsured deposits leaving |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 0 |  | uninsured deposits leaving |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | capital falling |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 0 |  | capital falling |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 2 | capital falling, charge-offs p90 |  |
| 2017-12 | 1 |  | charge-offs p90 |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | reserve under noncurrent |  |
| 2019-06 | 0 |  | reserve under noncurrent |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 2 | charge-offs p90, deposits shrinking |  |
| 2023-09 | 1 |  | charge-offs p90 |
| 2023-12 | 0 |  | deposits shrinking |
| 2024-03 | 0 |  |  |
| 2024-06 | 1 | construction >100% equity |  |
| 2024-09 | 0 |  | construction >100% equity |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2026-08-31 [Texas Capital Bank’s energy head talks career path from rural Canada to Houston - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQQk5KNTlVVHFNamg4VEZMUWw1N29INVJBa3RzRS1MMEcwZ2VqdDQzR3BqM2h5cWU1dzZuZjBFVFg3Ui16VXhrc1lfWGlwQkVwdVZYcXc2OTk2ZzY1ZGRWX2ZnVU1XOVBrZlRnWko1dmNsM05pcV9JZ3d6N0VudlBiVGRaekpMVVhuekIxSEdvbi1mRmh0UmRYckc4eEF6ZzBwM1BkY3dHNzE2dw?oc=5) · The Business Journals
- 2026-08-21 [Texas Capital makes big play on state's new stock exchange - American Banker](https://news.google.com/rss/articles/CBMimAFBVV95cUxPYTE0TmJacXVycENlTDVWNnBqdkZHVXNMa1VXNTVoV1BIN2VOZkdkYzdJcy1BMFlMS0JKNk5HczQ0cEhXc3QzWFpOM1M5QWMyQ2ljaDRHTmZVSk5ib2dwUmk0Rk9NT0lsZU1qZ25UQVZoRnZONVJ5bklDWHlmYnBDb0tnTnVmMGp5ZEZfOWdMNW5pVnJGTC1VTg?oc=5) · American Banker
- 2026-07-20 [Texas Capital Bank (TCBI) Reports Earnings Tomorrow: What To Expect - Yahoo Finance](https://news.google.com/rss/articles/CBMinAFBVV95cUxOb3p3WUhLQlBUcXByWkg2RWNNLWtWWVlBTHZrMkptRXU5V3d6VkdiRnlpbXNUbGRoUkVldFh4Yk5XQVczcUdwTzBKVmw3V3hZOURtZGFHdEJPNXF6WjFLTkZCUDVka3lpX2RmY29FajRZNVdITnRKbGJqWV9pSEF2TC1oSW92bmM0RWZIcDJtSDlLYnBPZV82bWdUemo?oc=5) · Yahoo Finance
- 2026-08-13 [Best Banks In Texas For 2026 - Bankrate](https://news.google.com/rss/articles/CBMiY0FVX3lxTE5PRmVqM2xyamY3ZmlKUEwxTE9QWUZZTzlQWDRQN2tsaGNUOVZxLU5vS1k5SW9hc0ZCVmFZc09INUllaklMU0tYX3dwSHA1UEdJaXJtMzFPZ0c0aEQyODk2aXlTaw?oc=5) · Bankrate
- 2026-06-18 [MidFirst Bank to buy Dallas-based commercial bank - Banking Dive](https://news.google.com/rss/articles/CBMipgFBVV95cUxPMGdwUEJlNVFPay1tLUs5NlM4cUlmUGtSYW8zNDA2aXp0VG1LbGRlRUJETThFcURyb3JJRnZYVmNKbjFzcVVSem1WQjFZU25OOEVOTWdhMnYwRW9FemZmOEhLMXpIZ2NMZXM3S0lXV21xcDZXT3R0MVJjT1A5Umh3dmw0eFJGczkzbVN2OHI3bmQzWUJGYTVlRHp4eTg1aFJUYkJMLUd3?oc=5) · Banking Dive
- 2026-06-18 [MidFirst Bank to Acquire Dallas Capital Bank - ABF Journal](https://news.google.com/rss/articles/CBMifEFVX3lxTFA5d3FqRWgyOG11QnhmSWZORE41UmhxTmotamNJOTdST1JueTdZY01mbFZHRnBwdXpRMHRUdDZvTDBYWm5fc1BoMHBkQnV0YmE4TVM5YUo5ZUtLbEdvYzJyZU5nazd5V2lVelR3Qm9udE1zanR6c3QtV0pUU1Q?oc=5) · ABF Journal
- 2026-05-24 [Texas Capital’s Dan Hoverman: The Finance Executive Who Thinks Like a Lawyer - The Texas Lawbook](https://news.google.com/rss/articles/CBMigwFBVV95cUxOcU5UZlpKQ3FnWE90R0I1d3pXYVQ3SVlYRkUyQTc3Y3p2Ry1iMHdsZ0ZTZmtQOFZNUmhyMHJjeEpacWR1N0NpN2Y3OWdmYXNMakJmd09tLWlBRjhLQXp3ZmlES2o0dUV2RDk3VkNJZzBBVnJROVZsSndCaktaU0dYdTYzQQ?oc=5) · The Texas Lawbook
- 2026-07-22 [Texas Capital Bank (NASDAQ:TCBI) Posts Better-Than-Expected Sales In Q2 CY2026 - StockStory](https://news.google.com/rss/articles/CBMizwFBVV95cUxOMzNaWWw2ZDU5cVZ4UjdYcW9ZNDNFai1Kc203VE1wNTgzUHNQNlJjalgwbnZEbTRBZE1iRk51WXZYak95VExwNGpSeFVLTWVhQ2lyazZRYkRRNVl3R0pfckdOV0RLZkdtaEhXLTN3TnpMMWlZLVd0QTI0Z2pYalp0M3Z3OFpYRGFkUFdHZVRISGMzeGdocm9nVUdaS250bFg0elA1YmJXcnd2cUJMOV81MzNTaFNqX1lvcHpvUUEtdTh2V0hBVVdwclRSczZQdDA?oc=5) · StockStory

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19401 (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/9.json (key "19401", 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