# CAPITOL BANK
MADISON, WI · FDIC certificate 34074 · asset band $300M-1B · latest filing 2026-06 · live

**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 | $565.3M | |
| Deposits | $473.0M | |
| Loans and leases | $431.1M | |
| Total equity | $69.4M | |
| Loans / deposits | 89.81% (p70 of band) | 82.04% |
| Liquid assets / assets | 20.16% (p33 of band) | |
| Uninsured deposits / deposits | 27.14% (p55 of band) | 25.97% |
| Brokered deposits | 10.95% | |
| Wholesale funding | 14.01% (p85 of band) | |
| FHLB advances / assets | 3.06% | |
| Tier 1 leverage | 12.42% (p73 of band) | 10.81% |
| Unrealized securities loss / equity | -5.60% (p59 of band) | -8.10% |
| AOCI / equity | -0.88% (p26 of band) | |
| ROA (annualized) | 1.12% (p40 of band) | 1.28% |
| Net interest margin | 3.22% (p16 of band) | 3.91% |
| Efficiency ratio | 59.48% (p44 of band) | |
| Noncurrent loans | 0.02% (p13 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p14 of band) | |
| Reserve coverage of noncurrent | 7507.14% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 40.33% (p47 of band) | |
| Auto loans | $61,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -7.7% | |
| Employees | 56 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | brokered >10%, wholesale funding >15% |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 4 | capital falling, uninsured deposits leaving |  |
| 2012-06 | 2 |  | capital falling, uninsured deposits leaving |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 3 | reserve under noncurrent |  |
| 2015-06 | 4 | uninsured deposits leaving |  |
| 2015-09 | 3 |  | uninsured deposits leaving |
| 2015-12 | 4 | capital falling |  |
| 2016-03 | 3 |  | capital falling |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 4 | capital falling |  |
| 2017-03 | 4 |  |  |
| 2017-06 | 1 |  | brokered >10%, wholesale funding >15%, capital falling |
| 2017-09 | 3 | brokered >10%, wholesale funding >15% |  |
| 2017-12 | 2 |  | reserve under noncurrent |
| 2018-03 | 2 |  |  |
| 2018-06 | 1 | uninsured deposits leaving | brokered >10%, wholesale funding >15% |
| 2018-09 | 0 |  | uninsured deposits leaving |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2021-09 | 1 |  | assets shrinking, uninsured deposits leaving |
| 2021-12 | 0 |  | deposits shrinking |
| 2022-03 | 4 | capital falling, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2022-06 | 0 |  | capital falling, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2022-09 | 0 |  |  |
| 2022-12 | 1 | capital falling |  |
| 2023-03 | 2 | uninsured deposits leaving |  |
| 2023-06 | 0 |  | capital falling, uninsured deposits leaving |
| 2023-09 | 3 | brokered >10%, wholesale funding >15%, uninsured deposits leaving |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 3 | NIM <2.5% | uninsured deposits leaving |
| 2024-06 | 5 | loans exceed deposits, uninsured deposits leaving |  |
| 2024-09 | 4 | construction >100% equity | loans exceed deposits, uninsured deposits leaving |
| 2024-12 | 4 | capital falling, charge-offs p90 | NIM <2.5%, construction >100% equity |
| 2025-03 | 3 |  | charge-offs p90 |
| 2025-06 | 2 |  | capital falling |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 3 | deposits shrinking, assets shrinking | wholesale funding >15% |
| 2026-06 | 3 |  |  |

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

- 2026-07-17 [Capitol Bank Verona Branch celebrates 20 years of service - veronapress.com](https://news.google.com/rss/articles/CBMi4wFBVV95cUxQNTUtMTBFS002WnUyVy1SMFVVTWo1SERvQ3NOSjRYVUZnTkVieWF3a0xCWnR4Y01VSjJBY2FiM2hCQ01lUHpnMXUwV29LRjJjZnZRZHhKT2FVYTU5WEpFT2R0MHhGOV9mSzdhNVZyd3pUYWFXanZEOXlTSW1XN1lZZU1MeWg4aVNFZWV4elU3eVFiaUVyeGdkb0xjU3Jsa3dRMWUtQkhBcnNNNy1yWkVfd0dOQU9PMWNaNmswS2RjLTJIUXU5MTgtTHhZYU5SVEl3RllTRklleEFYdmpiVFV2aDhsUQ?oc=5) · veronapress.com
- 2025-04-08 [America's Best Regional Banks and Credit Unions 2025 - Wisconsin - Newsweek Rankings](https://news.google.com/rss/articles/CBMikAFBVV95cUxPcVBTUlFfVVFWdWNabHZiNllnZWIzc2pyd2t2QTZudWdZSHRud18tUDF1TjVXaURzaEY5NzdrbXVWTHI3WjVhYmJjUFNOV29qdTBDZzYweXFvV0NYSVVpVzl0OXI5TmdnMDlPZjVkd3FucWl5YTZLd3ozR3NrMUtIV3JQcXBMcWY5MDN3LTZFY3Q?oc=5) · Newsweek Rankings
- 2017-05-11 [James Dolister Obituary May 11, 2017 - Cress Funeral and Cremation Services](https://news.google.com/rss/articles/CBMibkFVX3lxTE5TNWVxVTRrM0dTUUJTQWpOQ0xMRlgxX2ZRQ0hNQUpnN0Zjd2dQY3NaczFBdXpqLVJUeTlXLWdDSmppS05iS1kySERFRFZTRTduRFRZanExeERkVnJESXdIbWs1R3NoVEFDNm5YSTV3?oc=5) · Cress Funeral and Cremation Services
- 2022-06-21 [Racine Banker, Alvaro Araque, to Serve as Officer on Bankers Association Board - Urban Milwaukee](https://news.google.com/rss/articles/CBMiuAFBVV95cUxPcGstZWhTNGtVSEluZDJYajl6NVJKcWEyc0tZTWpiNkItbW1IMElrUUNqZHVfcjEyYlN0RVNHcG44X0lmSHhITXRMWENVeFpvN2FuUUpMUWJrS3h4U1lsWmtxaHFFSzdVT1huM2k4NzJQeFZZTm1CVTlJdTQtdGxkd1lpSHFPOUZtazVUZXE1S2FQdzVCQk5RbGJMMkpRc1hlSDA4cW1ZZDlzM0xVc1Z3T09QZXBhb196?oc=5) · Urban Milwaukee
- 2019-06-07 [Madison bank executive Mark Meloy elected chair of the Wisconsin Bankers Association - Milwaukee Journal Sentinel](https://news.google.com/rss/articles/CBMizAFBVV95cUxOY3ZaYkItb2RWZ2FPSXhCZ3BxcG9GX3NlaTVkeTBzR1NuNzJFYzhlWHNVbEcxVUZnNDMwRFIyd1VfMmJTMGZqZnNtVmxhOGhSanhfaHhXTFJDVGxjRVVfaHkyazlSMTQ1dXd3SWlvZWIzM0UzN3AyR2dPVTNuakdFTV9JblBqWEwtR3NqZ05KMXlYUlBWckVWbTE2U241UmZWMGs2dDJSc1AzdktFZDVpSU9fczRnaGdDcnlGN0NYV2lXZzh0elREX0g5eW4?oc=5) · Milwaukee Journal Sentinel
- 2017-12-07 [Suspected Hendersonville bank robber arrested in Georgia - WZTV](https://news.google.com/rss/articles/CBMipAFBVV95cUxPYU9TaTR0emxlMGtYWURoUkE1ZkJMQm9TaHV6ck8zWG5MMFlhR0VwY3EzYjYzRmt6aXJsV0dDZ2JVeFYzQjZPUkxlQ3QxOVpBMVR6cUU2RF9JZ0RQVC1uY1czRXAwQjJaQk5VSVc4R24wN1BYbXNMZEZobF9yNjFCejZfcWt0QWxQRW5DbTV0SF9LYm1keHIwckcxOFVfLUZncTAxWQ?oc=5) · WZTV
- 2024-02-23 [Dr. Todd S. Varness Obituary Aug 2, 2010 - Cress Funeral and Cremation Services](https://news.google.com/rss/articles/CBMiaEFVX3lxTE5jNXltSFhydzdobHJaUjZxbkUxMFVrdEd3MnlpWEZwUGVic1g1Yk5IQVF0R3RFakMzUEZRNmlvSFV5dWI2UmMyT0NDLVMtRGwwQU5FZXozeVQwS3hLN2hmd0Z1Ukhfd29i?oc=5) · Cress Funeral and Cremation Services
- 2021-03-04 [Gordon Renschler Obituary Mar 4, 2021 - Cress Funeral and Cremation Services](https://news.google.com/rss/articles/CBMiekFVX3lxTE4ta0R1YzJSa1NWVmRCck5QWk85NnBaUjY0QXNWaU1iU2RwNllaTDRzbFVBaGlwck9oOF9wME4yNmZ2TTlKbXgycV9rRUZETmFoRzh1Y2pzMmJzTlQwRXRueGVHbHdsQm5zY2daNGpWU2RvY1JXbXJlZ2hB?oc=5) · Cress Funeral and Cremation Services

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34074 (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/26.json (key "34074", 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