# CAPITOL NATIONAL BANK
LANSING, MI · FDIC certificate 24199 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *lender to lenders*. Composite score 2 (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 | $209.3M | |
| Deposits | $162.1M | |
| Loans and leases | $170.4M | |
| Total equity | $33.4M | |
| Loans / deposits | 102.68% (p93 of band) | 73.59% |
| Liquid assets / assets | 16.73% (p15 of band) | |
| Uninsured deposits / deposits | 32.85% (p86 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 4.78% (p72 of band) | |
| FHLB advances / assets | 4.78% | |
| Tier 1 leverage | 16.74% (p85 of band) | 11.76% |
| Unrealized securities loss / equity | -0.43% (p84 of band) | -6.57% |
| AOCI / equity | -0.05% (p67 of band) | |
| ROA (annualized) | 1.79% (p79 of band) | 1.17% |
| Net interest margin | 5.13% (p92 of band) | 3.93% |
| Efficiency ratio | 56.95% (p28 of band) | |
| Noncurrent loans | 1.49% (p79 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 156.23% | |
| Real estate % of loans | 79% | |
| Construction % of loans | 21.50% (p55 of band) | |
| Auto loans | $241,000 (0.14% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $22.6M (68% of equity) (p100 of band) | |
| Deposits YoY | 4.9% | |
| Employees | 32 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **loans-to-lenders >50% equity** (`conc_warehouse`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | leverage <7%, noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 6 | losing money, expense ratio p90 |  |
| 2011-09 | 4 |  | losing money, expense ratio p90 |
| 2011-12 | 4 |  |  |
| 2012-03 | 4 |  |  |
| 2012-06 | 5 | capital falling |  |
| 2012-09 | 5 |  |  |
| 2012-12 | 6 | deposits shrinking, assets shrinking, uninsured deposits leaving | leverage <7%, capital falling |
| 2013-03 | 4 |  | charge-offs p90, uninsured deposits leaving |
| 2013-06 | 6 | charge-offs p90, uninsured deposits leaving |  |
| 2013-09 | 5 |  | uninsured deposits leaving |
| 2013-12 | 5 | losing money, expense ratio p90 | noncurrent p90, charge-offs p90 |
| 2014-03 | 6 | noncurrent p90 |  |
| 2014-06 | 5 | capital falling | deposits shrinking, assets shrinking |
| 2014-09 | 5 |  |  |
| 2014-12 | 5 | uninsured deposits leaving | capital falling |
| 2015-03 | 4 |  | uninsured deposits leaving |
| 2015-06 | 3 |  | noncurrent p90 |
| 2015-09 | 3 |  |  |
| 2015-12 | 2 |  | losing money |
| 2016-03 | 1 |  | expense ratio p90 |
| 2016-06 | 2 | capital falling |  |
| 2016-09 | 0 |  | reserve under noncurrent, capital falling |
| 2016-12 | 2 | reserve under noncurrent, loans-to-lenders >50% equity |  |
| 2017-03 | 4 | deposits shrinking, uninsured deposits leaving |  |
| 2017-06 | 4 |  |  |
| 2017-09 | 2 |  | deposits shrinking, uninsured deposits leaving |
| 2017-12 | 2 | losing money | loans-to-lenders >50% equity |
| 2018-03 | 0 |  | reserve under noncurrent, losing money |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | reserve under noncurrent |  |
| 2018-12 | 1 | deposits shrinking | reserve under noncurrent |
| 2019-03 | 3 | loans-to-lenders >50% equity, assets shrinking |  |
| 2019-06 | 1 |  | deposits shrinking, assets shrinking |
| 2019-09 | 1 |  |  |
| 2019-12 | 0 |  | loans-to-lenders >50% equity |
| 2020-03 | 2 | capital falling, loans-to-lenders >50% equity |  |
| 2020-06 | 3 | loans exceed deposits, wholesale funding >15% | loans-to-lenders >50% equity |
| 2020-09 | 3 | loans-to-lenders >50% equity | capital falling |
| 2020-12 | 3 |  |  |
| 2021-03 | 1 |  | wholesale funding >15%, loans-to-lenders >50% equity |
| 2021-06 | 2 | wholesale funding >15%, capital falling | loans exceed deposits |
| 2021-09 | 0 |  | wholesale funding >15%, capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 1 | assets shrinking | capital falling |
| 2022-09 | 1 |  |  |
| 2022-12 | 3 | deposits shrinking, uninsured deposits leaving |  |
| 2023-03 | 3 |  |  |
| 2023-06 | 4 | loans-to-lenders >50% equity |  |
| 2023-09 | 3 |  | loans-to-lenders >50% equity |
| 2023-12 | 0 |  | assets shrinking, deposits shrinking, uninsured deposits leaving |
| 2024-03 | 2 | loans-to-lenders >50% equity, uninsured deposits leaving |  |
| 2024-06 | 1 |  | uninsured deposits leaving |
| 2024-09 | 2 | capital falling |  |
| 2024-12 | 1 |  | capital falling |
| 2025-03 | 0 |  | loans-to-lenders >50% equity |
| 2025-06 | 0 |  |  |
| 2025-09 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2025-12 | 1 | loans-to-lenders >50% equity | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2026-03 | 1 |  |  |
| 2026-06 | 2 | loans exceed deposits |  |

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

- 2025-02-18 [Cristin Reid '92 - University of Toledo](https://news.google.com/rss/articles/CBMibEFVX3lxTE9IalIxX0tHcUxRNFlQNFFLN2dNVkJvQ001M0RTNDhjclJGV3NJb3ZKdTZMcENFRjV5dDVrTUtPdHN0M0t1NW41NUFJUk9KX3NUQ01GTnJibF9NTG8xSndfTmhCTklVcVJPY1dtaw?oc=5) · University of Toledo
- 2025-08-28 [Reid to Deliver Keynote at 2025 Convocation - News and Events - Kalamazoo College](https://news.google.com/rss/articles/CBMiYEFVX3lxTE1JaDU5blplX05PV2xtTFdPNEFOZS04YkE0VnVnUkczRm9tYXdjbVRBUE5xaE1raGx0RmpDTEdpQVpMb2pRTEZ0cU5LNzZqMWFyQUwtUzBYQW12eVMxNGF1dw?oc=5) · Kalamazoo College
- 2024-09-26 [The Most Powerful Women to Watch: No. 25, Cristin Reid, Capitol National Bank - American Banker](https://news.google.com/rss/articles/CBMirAFBVV95cUxOS1pnams2MmxwV3BPQWpyc1ZUV1VnNUwyazJValJNbmlSdHBZMEdKZ1hIZnZfTnJzM0o4OU1vNzNIVTRuczVmQkYyLU83SnloTUMtZ3d5S2NjMzJBU0NUdzJvaXBIeXliNzBna1c0LTBmT3p4QzRMaXk2SHlDeTFodlJuZ2drOUtlbGI3NFJBRXQxUWJMUGVfb0FLd2hVQXplaVdyUTVxd21wNlBz?oc=5) · American Banker
- 2017-06-22 [Capitol National Bank welcomes Rang - Midland Daily News](https://news.google.com/rss/articles/CBMilwFBVV95cUxPTlNMUk54RU1KY05yNU80TVlEbnVGNG5pSmFzWF9pVzF3TTk5OE9aR1lWRGc3QVlYV2ZjUmNvVDhwRU5YX2huYnBKczZIeWpLTlctTk5XYUFZWGVlOS1IWVpjSHhFckU0LUZ3MGRiTUtEM2hvcDNHV1YxZkJSTVJZTEpick93amM3VHp4XzN2NE9lcVprczl3?oc=5) · Midland Daily News
- 2025-09-24 [2025 The Most Powerful Women to Watch, No. 23, Cristin Reid, Capitol National Bank - American Banker](https://news.google.com/rss/articles/CBMitAFBVV95cUxOWlZkck5hX1FRSnNDd3B5LUdaTWF6RDJhSVFrQUVDSmxDaVZ6aUVDdXV6azZFb0Z1cWtUZFV2bkFWOWlkQ016cm4yWDhiRUZNTlpYMnlSX2t1M0xQRi0yLXZZQ1RJSFNWcWNwcnJOZkc1RklTQnQxUzVHVXJHV25WekRhUWhuTFpKUlV3eGJLWDl6b0NnMUhZMmE0d1JMTW1oT09HQlZnQ216elZfRUhXb2RoN0E?oc=5) · American Banker
- 2025-05-26 [Davenport University names new Board of Trustees leadership - Davenport University](https://news.google.com/rss/articles/CBMingFBVV95cUxNVUVZdC1SS0l6RE16MWJkWXRrV0dCWUFFZnRwQnBaZWtoMUVzUVA0TWszSUdXY01hdllEb3ktTVlIaUlHQll4M3pFbk53UDZnYnhDcXdsdkd4dVRCN2JlemFQT0JzdzRPY3hNXzdlREU1SVN2QVc4ZXNwVEg4dzJZRXlfVVNibkx2d2RtRG9laC1DMC1xbWFqMXcxcWpwUQ?oc=5) · Davenport University
- 2017-12-21 [Lansing area holiday closings - Lansing State Journal](https://news.google.com/rss/articles/CBMivgFBVV95cUxNVUFwWFpRSXByMDdLUTIza0lLd0FjMEtCWWxUQU91TGJseFQ1WV9BQ1NDdzltUzdUTjRpc1lRVjI5Z3NiM0VxUnVPNm9ZYmNuT3BlYkZvVXpPQkhIcTVKM2w3Z2s0ZG1WV0hyZTUybnlVM3V0OEtEbDItMTNScE5RVFhOVUZWNHZPSGZRdFJMSzZ4V2dUUHFpNXhIbmFHNmdnNXhTaDl0NXpSXzNkRC15cmZJNkpMVkJrbHBlVkVB?oc=5) · Lansing State Journal
- 2012-08-10 [Capitol Bancorp, holding company for Michigan Commerce Bank, files for bankruptcy - MLive.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxNVnRPanp2eWxlM2pTaTNZNXlGMi05M3VQVmp2SWloZ1FqWnVHdVlETzdRd3V4WUhjMDZoVzFKeU1TeC1DMDN4YUhUcEVYcGNQX3RHLVlBVEYxendONDlQRlVWSWZkcmctOC1zbGZJTXRnbkU5LU1qcGJxZzlXMlgtRFl3?oc=5) · MLive.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=24199 (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/7.json (key "24199", 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