# CAPITAL BANK
RALEIGH, NC · FDIC certificate 34452 · asset band $1-10B · latest filing 2011-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (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 | $1.70B | |
| Deposits | $1.37B | |
| Loans and leases | $1.13B | |
| Total equity | $225.0M | |
| Loans / deposits | 82.30% (p59 of band) | 79.40% |
| Liquid assets / assets | 24.30% (p38 of band) | |
| Uninsured deposits / deposits | 11.69% (p34 of band) | 17.70% |
| Brokered deposits | 7.47% | |
| Wholesale funding | 12.96% (p63 of band) | |
| FHLB advances / assets | 2.21% | |
| Tier 1 leverage | 8.81% (p43 of band) | 9.08% |
| Unrealized securities loss / equity | 0.99% (p48 of band) | 1.08% |
| AOCI / equity | 0.61% (p84 of band) | |
| ROA (annualized) | -0.11% (p11 of band) | 0.68% |
| Net interest margin | 2.72% (p14 of band) | 3.63% |
| Efficiency ratio | 104.48% (p97 of band) | |
| Noncurrent loans | 6.61% (p84 of band) | 2.65% |
| Net charge-offs (annualized) | 0.00% (p8 of band) | |
| Reserve coverage of noncurrent | 0.22% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 122.00% (p93 of band) | |
| Auto loans | $1.1M (0.09% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p41 of band) | |
| Deposits YoY | – | |
| Employees | 392 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | losing money, expense ratio p90, reserve under noncurrent, construction >100% equity |  |

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

- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2025-10-28 [Oakworth Capital Bank Named "Best Bank" by The Charlotte Observer - PR Newswire](https://news.google.com/rss/articles/CBMiuwFBVV95cUxPRTMxWVd3cmxnYTNSSTM3UGszRy1DY3cxN2lGV0lnT3VJbENmT2Q2R2JaWTZIZGlLUlJDVldHMWV1VmE3TTNwM1o2MklCZ2xVelViUERUOVpuR3I2cmwzdDR2NGxOWk9pZXZicE0xSk5oX29tQTI2dDF6d3hwN3h2eHdNVW56MEtSeWtUaVZRWUphSzBLT1VuSmxHcVdKSS04WlJaNF9RU2ZYZnpkVGN1UHZ6dl9xWlhWVTZj?oc=5) · PR Newswire
- 2025-01-14 [Sage Capital Bank Partners with Digital Banking Solutions Provider Apiture - Finovate](https://news.google.com/rss/articles/CBMinAFBVV95cUxNWHpjUEJpdmN2cGc4eHU1cTRyaGdid1VZWHZsbWlJRFp6UjZINzZNT0tBb21YWmtSYUxlR2JiazBMSmFRNWM1Y25kbkpodS1jTFhSV1RVMk1RbGZkWXVOX1dIRWVKMVhVMV9wbHFYTURmWXNCN1REVm9vdjI0OGxmS1lDMXdwMU5kN2c1b1ZjcWE2V0JDd19FVzFHUjg?oc=5) · Finovate
- 2025-05-28 [The Citizens Bank Enters into a Purchase and Assumption Agreement to Acquire the Laurinburg, NC Branch of First Capital Bank - Yahoo Finance](https://news.google.com/rss/articles/CBMijwFBVV95cUxPS3ZIaG9FeU9QVEFuQkFSSGpDclBtUlBmMWN2QXZrd1c5UkZlMnEwOUhfUURWaWhlaURMQnFLbGZiaFgzLXZvOU9fdEhNTm44ci0xNjZ3d01jN0xmXzRaakhlaWUtd1l4WFlhMzR0Nnl2SC1lQ3FnM25XTTByWU5XeDBESHpXREhNV1ByQnY0NA?oc=5) · Yahoo Finance
- 2018-05-09 [Capital Bank tackles financial literacy with Atlanta nonprofit - Business North Carolina](https://news.google.com/rss/articles/CBMijwFBVV95cUxPTnh1MGQ0dXpKQ291SjF6VHVoZEFRLUlqb0tONzNyZUpacDF3NmE4cS0wcDMyVnU0X0pST0gwcGhfcVhXM2hOc0JsTjB0aEVlRHVuQTNFWno3dWRJXzlybVZ4dGdMaV9mSFlpUEJHcmZ1azllOWhKYUN6WURSODZFckZsUEItQ2VJMGNCVnh0TQ?oc=5) · Business North Carolina
- 2017-05-04 [First Horizon to buy Capital Bank in N.C. for $2.2 billion - American Banker](https://news.google.com/rss/articles/CBMijAFBVV95cUxNRG5sS2xOckFucnpTZ0tvZ1padjEtU3huaFE2bWpaQjlaRW03eGhFS3ZuRjhoS2RYUjMwZ3AzT2txNXV3alRLSlhOYjNMN2R1SVFQUmstWnRwMFc3akRTUW9IcWhHc1BkdWxHYTBCQUUzd014MmhHcWxnbXBVSlBRaXBiS1Y0SWl0UnRFaQ?oc=5) · American Banker
- 2012-06-01 [Capital Bank makes move to buy Southern Community Bank - Carolina Public Press](https://news.google.com/rss/articles/CBMilgFBVV95cUxQLS1HZEJUMDZmVXQ4bFQ5blpWT3NPa040bFFvb0lyaHkwNF8yRVVNWW4wMWFjNUZEdURQZk5ETWVCczU2aENzS2FjZXhrcWJmNzBSLXo2aXRWWmk2d1Zyd0xUZ1pnbXZiVGFBb1pUTXZTOXVQVk9hdE1WV2FiVUVCV2dGeEdVeExhaGk5REFJVU9ISGliWlE?oc=5) · Carolina Public Press
- 2022-01-05 [SC gains a bank as First Capital switches charter from NC - Post and Courier](https://news.google.com/rss/articles/CBMi4AFBVV95cUxNY2R3YXROOVppdGpLSDJ2SUNYUTh1ZlJTcWNSeGk4OGxsMFBWbGh3OTAxZmE4YlR6WUlHQ0xyUWY3a0daOUhpbkpqRzJJbXoyanpSWXJ2Y0pzdF9Cb0NoSjFGazFJQ2RITUNoaVBNaWhoUGNua3NQT3lnRWRkV2tacWZ0Uy10cUgxb1M4VTR3ODhJMVJNb3NwcWlxUzZiODlyTm4wQ1hQUkFjVmphRnFNb1B6eDc0OVJkWE44ZTREZXlXbm5jbkNhZnBCcVRiM2Q3LXo3eGFXZnV5WmhKbjVkQg?oc=5) · Post and Courier

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34452 (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/20.json (key "34452", 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