# CAPITALBANK
GREENWOOD, SC · FDIC certificate 27426 · asset band $300M-1B · latest filing 2011-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (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 | $629.0M | |
| Deposits | $467.4M | |
| Loans and leases | $434.7M | |
| Total equity | $59.8M | |
| Loans / deposits | 90.11% (p80 of band) | 77.91% |
| Liquid assets / assets | 22.24% (p31 of band) | |
| Uninsured deposits / deposits | 8.53% (p32 of band) | 12.16% |
| Brokered deposits | 1.25% | |
| Wholesale funding | 16.42% (p82 of band) | |
| FHLB advances / assets | 15.17% | |
| Tier 1 leverage | 8.59% (p29 of band) | 9.49% |
| Unrealized securities loss / equity | 1.87% (p30 of band) | 4.04% |
| AOCI / equity | 2.00% (p52 of band) | |
| ROA (annualized) | 0.45% (p34 of band) | 0.70% |
| Net interest margin | 3.47% (p32 of band) | 3.76% |
| Efficiency ratio | 73.62% (p63 of band) | |
| Noncurrent loans | 7.01% (p88 of band) | 2.16% |
| Net charge-offs (annualized) | 1.23% (p87 of band) | |
| Reserve coverage of noncurrent | 44.56% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 141.85% (p93 of band) | |
| Auto loans | $1.0M (0.24% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | – | |
| Employees | 173 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | wholesale funding >15%, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 4 |  |  |
| 2011-09 | 3 |  | charge-offs p90 |

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

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=27426 (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/34.json (key "27426", 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.

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