# CAPSTONE BANK
TUSCALOOSA, AL · FDIC certificate 22769 · asset band $300M-1B · latest filing 2017-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (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 | $510.6M | |
| Deposits | $439.5M | |
| Loans and leases | $423.8M | |
| Total equity | $59.5M | |
| Loans / deposits | 95.47% (p75 of band) | 85.45% |
| Liquid assets / assets | 11.52% (p11 of band) | |
| Uninsured deposits / deposits | 22.45% (p55 of band) | 21.11% |
| Brokered deposits | 11.08% | |
| Wholesale funding | 12.84% (p76 of band) | |
| FHLB advances / assets | 0.96% | |
| Tier 1 leverage | 10.51% (p55 of band) | 10.27% |
| Unrealized securities loss / equity | 0.51% (p64 of band) | 0.09% |
| AOCI / equity | 0.87% (p51 of band) | |
| ROA (annualized) | 0.87% (p41 of band) | 0.96% |
| Net interest margin | 3.87% (p65 of band) | 3.65% |
| Efficiency ratio | 62.17% (p35 of band) | |
| Noncurrent loans | 0.60% (p50 of band) | 0.60% |
| Net charge-offs (annualized) | 0.21% (p89 of band) | |
| Reserve coverage of noncurrent | 166.64% | |
| Real estate % of loans | 74% | |
| Construction % of loans | 59.59% (p67 of band) | |
| Auto loans | $1.1M (0.27% of loans; DQ 0.09%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 10.3% | |
| Employees | 101 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 0 |  | capital falling |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | reserve under noncurrent |  |
| 2014-12 | 0 |  | reserve under noncurrent |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | reserve under noncurrent |  |
| 2015-12 | 2 | liquid assets <10%, charge-offs p90 | reserve under noncurrent |
| 2016-03 | 4 | brokered >10%, capital falling, reserve under noncurrent | liquid assets <10% |
| 2016-06 | 2 |  | charge-offs p90, capital falling |
| 2016-09 | 1 | charge-offs p90 | brokered >10%, reserve under noncurrent |
| 2016-12 | 0 |  | charge-offs p90 |
| 2017-03 | 2 | brokered >10%, capital falling |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 1 |  | capital falling |

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

- 2008-05-30 [Capstone Bank buys Security Bank - The Tuscaloosa News](https://news.google.com/rss/articles/CBMinwFBVV95cUxQVUQ5bmJ0WnpabGQzcGFkd3pydzBUbGZBM1RDM1BDdmZDUG1uUWpYTV9walpyb3I0WGoyR09fLUZpVFhQb3JkOFNiTnVwdEhvRjY0MGtRSHJrbEw5QmlQUEFaTnpwLTVsTlEwZ3JYMHVqOVhUYkQzczcteFhOLVY0T0F4OE9pdnZSUjZqMEpEc0xMWmYzeVdoOVBUOXlVdDA?oc=5) · The Tuscaloosa News
- 2017-05-23 [SmartBank to buy CapStone in Alabama for $84.8 million - Chattanooga Times Free Press](https://news.google.com/rss/articles/CBMilwFBVV95cUxPSmhsbGVUa0huSXExNjlMYW5JNi1mWFdwNHJUdnNIcnZRLTB3YkFoSXJsOHdqSEx3ZVFINDNaV0FSSV9Qd01oZWk3VmZzVmlLSkxUODRaNWhnY244VXdJRmUxcloyVlZBbG5XeS1TZDh3ekd3LTUtTEgzamQzS216c1hvQkg1c2VfLThOS08xNG1mbUJqRDZj?oc=5) · Chattanooga Times Free Press
- 2008-04-15 [Upstart Capstone promises streamlined business banking - The Tuscaloosa News](https://news.google.com/rss/articles/CBMivAFBVV95cUxORC1yNlpWMUdQdXlwWnB2ZWtrRWZCVHMwV3U2VTVZdExOaWVRSml5b2hkcnIzU3ZQSWVxZnNDbkllVE5wMnFKODFlNDlsaGV6Ni1pbm1NQTBiZ3pJZjBVVHhUeW52ZkZNMnVhTWRsNWo3QUVEdUJKRGR1dEU1cHdlTjYtNUtTcnZBUUlCZkhBdzlYcWdRdHRoamt3alhaaExYNFplRmVieHZ5cFF0X25lUGNaLUUxNnR4S2tJOQ?oc=5) · The Tuscaloosa News
- 2009-08-18 [Southerm District of Alabama - Department of Justice (.gov)](https://news.google.com/rss/articles/CBMickFVX3lxTE5XbmpaS1NscEc4eWFkbTg0N1lNSHJ0VzhjZmtKU2xMRnZ6Tm9rZmVmOVhibkpsWlZZOG9FRjFXY1M3SVMtWXNHYk1WUGVBbjlaSnItMUlreXJqNWo3cjJtX0JsaUoySEJFaEI1emRkX0xsdw?oc=5) · Department of Justice (.gov)
- 2014-10-06 [Randall Billingsley Obituary (2014) - Mobile, AL - AL.com (Mobile) - AL.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxOdG1VQlF1a0dwVXFGemE2NTNSSWp5TEJRTno2anNxbE54UGdRallGNWpkMDh5LWV2TnlCSEcxRG9iSzQ0eUt3OUNIQVRKczl3ZEpyN1FEUy02VlNkdGJJdjR5QWlVb2hRWmF4c3N2dUZJelBXcVZVOFBGbW82U1VhbFExM0RyUzhMay1nNEZ4MA?oc=5) · AL.com
- 2016-11-23 [Richard Reynolds Obituary (2016) - Tuscaloosa, AL - Tuscaloosa News - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxPZWhfaUJmRE9zQm42R2R5X29PQkVrWXluLVBxUUJJWnhrQ0RwVlNtVkFMbnV2SzZtZEZicDdCaUFCTWYzbXlLdXMxNm4za09RVFY1NDctUjRDQ0NwdkJkNUl3MTAxMXRXRWN2VUJMNTFCaDZMVnpBVlRGQ0V2cW5NQ2tQSWhqYURYNU5KM1Nuc1V2d0U?oc=5) · legacy.com
- 2017-01-31 [New board chairman takes reins - The Tuscaloosa News](https://news.google.com/rss/articles/CBMisAFBVV95cUxPQTRsRHpYYnZiWDVTOXVtcWYyem1SOTlDRWhQR2ZfdFZ3dlI1Q1UzREplZG5xNnpqdTYwMDVGZTZaR01vTThkdFVnS2JRR053NlJTSEhGR2dlSVBnNmowaGVJSm9ZS2pvdVljbzBEeGxmT0M4d0diMllSMmpmN3BMbjdQZUk5VTdJYXVMaVlBQ2dqd1l6aC1jd3RZeVEzZjdzZWphb0ZMaXhFUExRcEF4Wg?oc=5) · The Tuscaloosa News
- 2014-10-06 [Randall J. Billingsley - AL.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxPRDZxdDRtQ1Jxd3RONDZMWnpjdFVKWEIzNEs3MU81Wml4YjF1ZmJ0bkFDcXZyUmNyY0lIUWx4LVgxazU0bEN2WVNSc2phdkZqdldYQU1oVzlrOHR4UjF5cFExUE1pQ0pxLUVEcmlET1R3Q3NlcmNwUHZlMW9HM00yWTZkc09rb3lHT1BZQ3BzTWNzYkVfb1E?oc=5) · AL.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=22769 (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/49.json (key "22769", 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