# CAPITAL BANK SSB
EL PASO, TX · FDIC certificate 35322 · asset band $300M-1B · latest filing 2017-03 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $363.5M | |
| Deposits | $281.1M | |
| Loans and leases | $280.3M | |
| Total equity | $36.3M | |
| Loans / deposits | 98.68% (p84 of band) | 83.04% |
| Liquid assets / assets | 21.12% (p38 of band) | |
| Uninsured deposits / deposits | 50.77% (p97 of band) | 20.72% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 12.35% (p76 of band) | |
| FHLB advances / assets | 12.35% | |
| Tier 1 leverage | 9.98% (p46 of band) | 10.16% |
| Unrealized securities loss / equity | 0.12% (p74 of band) | -0.46% |
| AOCI / equity | 0.06% (p25 of band) | |
| ROA (annualized) | 0.96% (p55 of band) | 0.90% |
| Net interest margin | 3.66% (p56 of band) | 3.57% |
| Efficiency ratio | 73.02% (p65 of band) | |
| Noncurrent loans | 0.17% (p18 of band) | 0.63% |
| Net charge-offs (annualized) | 0.02% (p62 of band) | |
| Reserve coverage of noncurrent | 617.67% | |
| Real estate % of loans | 64% | |
| Construction % of loans | 102.77% (p90 of band) | |
| Auto loans | $11,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $10.5M (29% of equity) (p98 of band) | |
| Deposits YoY | -1.1% | |
| Employees | 39 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 6 | wholesale funding >15%, losing money, expense ratio p90, NIM <2.5%, noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 7 | loans exceed deposits |  |
| 2011-09 | 7 |  |  |
| 2011-12 | 6 | capital falling | NIM <2.5%, noncurrent p90 |
| 2012-03 | 2 |  | wholesale funding >15%, losing money, expense ratio p90, loans exceed deposits |
| 2012-06 | 3 | losing money, expense ratio p90 | capital falling |
| 2012-09 | 4 | loans exceed deposits |  |
| 2012-12 | 4 | capital falling | loans exceed deposits |
| 2013-03 | 5 | uninsured deposits >50% |  |
| 2013-06 | 3 |  | capital falling, uninsured deposits >50% |
| 2013-09 | 4 | construction >100% equity |  |
| 2013-12 | 4 | deposits shrinking, assets shrinking | reserve under noncurrent, construction >100% equity |
| 2014-03 | 4 | construction >100% equity, loans-to-lenders >50% equity | deposits shrinking, assets shrinking |
| 2014-06 | 4 | capital falling | construction >100% equity |
| 2014-09 | 3 | reserve under noncurrent | loans-to-lenders >50% equity, capital falling |
| 2014-12 | 4 | uninsured deposits >50%, loans-to-lenders >50% equity | reserve under noncurrent |
| 2015-03 | 2 | capital falling | losing money, expense ratio p90, uninsured deposits >50% |
| 2015-06 | 3 | construction >100% equity |  |
| 2015-09 | 3 |  |  |
| 2015-12 | 2 |  | construction >100% equity |
| 2016-03 | 2 |  |  |
| 2016-06 | 0 |  | loans-to-lenders >50% equity, capital falling |
| 2016-09 | 1 | expense ratio p90 |  |
| 2016-12 | 5 | loans exceed deposits, wholesale funding >15%, capital falling, deposits shrinking |  |
| 2017-03 | 2 | uninsured deposits >50%, construction >100% equity | expense ratio p90, loans exceed deposits, wholesale funding >15%, capital falling, deposits shrinking |

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

- 2023-01-07 [Zitlow Rejoins Cornerstone Home Lending - National Mortgage Professional](https://news.google.com/rss/articles/CBMijgFBVV95cUxQV2l6cGVaZ3Z0bnFwUTdHaXdVcUoySU0yRDBFWTU1MWRBcGExTXZlWUpQaXRtWTVXR3ZjNHFZbkVWdVRnYWRYYk9nekhVTllINVEtREwyazhKLWQ4NDB5dEJVcGRUSHh5am1MeHNKREVDdVhiaFNTNWM3MXdZaXlheEhWaS11TWl5US1qMFp3?oc=5) · National Mortgage Professional
- 2026-01-30 [Take a closer look at Houston's fast-growing real estate lenders - The Business Journals](https://news.google.com/rss/articles/CBMiogFBVV95cUxPeEF1QlJxTmdJcDljMXZyUmc0aWtHYl9DUmUzc0F3WkoxZXBGRTVZQ19FM0Qwd0NRQi01S0ZpYkRoZ2Y5MFlleEV4d2tDLVQyUFh3ZjZndUhvME5GU3dMT2NvbHFqYlAxLTZxRVJWdkRWY1pqREswOHpxWXVQTWhPMVJxT2pqZnBnR3RmOXFNNGtPODR6V21LOU54RGYyRkhnOUE?oc=5) · The Business Journals
- 2023-04-03 [Cornerstone Servicing Launches Mortgage Subservicing Business to Empower Smart Homeownership - PR Newswire](https://news.google.com/rss/articles/CBMi4gFBVV95cUxOdTh3Tm9FcjdrbEFtenFoeHI0bFJOYzFEY1c3NWFYaWZFYm1TQmtqV3B0OFVjRG5VZlBsd1BzYzUzdWRyd3BGdmVkZGpOUm43Y3lnN1BLQ0xCck1zeVBGMkxfYkx0eGNVNFNDaFVQU3J6X1drbjVtczFyekhZNzlHNnRUdENjNHUxTnJqMzhGZ1RWUVZ1Snc5TTZCREZXVWhzSUVnamE0dHl4Tm5mNWd3Tk44eUdGc2dvSkVsNUVEWGk0cjNBOTlGdXVCOTZCQ19aajJ3amFqWC1FMGIzemZRRXN3?oc=5) · PR Newswire
- 2017-06-07 [Merger will create 3rd-largest Colorado-headquartered bank - 9News](https://news.google.com/rss/articles/CBMisgFBVV95cUxNZHJQWDdoMDNNQTRwQ3M1eUNwTUVkUVB5aDJ5amliRFFINVo5REVVYkpVb2VJdHJtWjhQNHE4TldtclM3VkFpSHNUODQ2SzQ0em14bXlCY1RyV0RCVFhaZEl3Nm94YjF5Qm5WMV9LdEpvME9SU1dOUExCb3RwWGpsNkxnV3pUbHgyVG9tQ0NGMjdaNVVMakpzYjAySlY1a0xvZWI4Z2xsQTJtcHhYblFGLUNn?oc=5) · 9News
- 2025-08-15 [$15K Bright Spark Grant opens doors for Bastrop county buyers - Community Impact](https://news.google.com/rss/articles/CBMihAJBVV95cUxQZkpIU1ZuR21jZDFVQU41cXMwV0JQWERZOVc3N0lyN1lxMkV5YzY2OFdJTXBOZGxaM1ZudkNiemNLY1k3TmhFMnRNSkFmS2FhLVR4WFRiRzc3WEhBZzA2VHhhaUhpQktSVlQ3S2dSVGxmSjBXWE1YRmlNSExuc1QyUmdxWWZhY0ZTdnJQSU5DeXBRRG1BNXhuX05lRXdkRHZGWFBCWTRPYWc4Q09WSEJtVTJpNGdhNGUyY19PaTE5LVBVZk4yN3o1UjdQRlhBR3ZKYmVydmpQUmhyVEpoQllWUTd4T2U3ajFRZ3UtVzhNR1RlcTc2dHBBdkJBOGlydWhlam5BWA?oc=5) · Community Impact
- 2023-09-07 [UPDATE: Former High-Ranking Latino Executive at Cornerstone - GlobeNewswire](https://news.google.com/rss/articles/CBMi1AJBVV95cUxOMjNwZ0RWYnNodzZURmFZNnFkRjQtUTF5cVVKUm1CeDJLblNlWV80Sjl5N1V3VGZWUms0MERKUVhYanBVVGpqVllIWVl3aVNYN0ttaFhjanhwaUhEQVZSN25fcjNHQXdfcnZmeTlHSC1WSm5wVUlZTGdCaXhzcDI0S3NPZnBzOGtfZ25BVk1nd2R0QXVXaV9HdjcxTzFBVlY0d09PN3lBb1lUVGFpZE43Uy00dy1jTFlZNE9MeVlUdlM4SzZFOEQ1M1ZnUWJhVUtnaFpGb2lqU2hpek1JSVIzVDlEWVYyeHp2c3p0OFVQMFo1Sk55TEpmcGZQUEtQVkdxM1Axei1BR0NNREppc0VUN1A1b1VIQ3Q5MVo0MEotYVBtcHhJdW0tTUpfNllxaFdVaV9ZU2JQb3lqMG5CSDhMbGFYck5Cb2lzWTB3ME1VaFJVSjJi?oc=5) · GlobeNewswire
- 2023-04-03 [Cornerstone Launches Mortgage Subservicing Business - National Mortgage Professional](https://news.google.com/rss/articles/CBMingFBVV95cUxON2dhX3JqNkpicENxSXItZ0lCNmRrem91YjdvWWgtWDNVamRfNEVfUUxDRGdHWTl1WWpGOTdPT2xETUdfUlJDNGFOdWNJbWtneG11bzk3N0l3Y19BUFFJaGZYbmtUZXJjMDdCSVdGa1U5LWZNenhsdUJ6UjBoTDBxRUJXZHhsN1ZxN2VZN0h1ajZleGk0WkwwdEpfLURtQQ?oc=5) · National Mortgage Professional
- 2014-09-19 [Libertad Bank shifts business model and rebrands with new name - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxQdFR0VVhSNURVaUtyNk9WTmd4eW42N0p0LV9VRF9ud3NxZ0NqY2VYYlJ1bzlfQVprMHRlbzdMNXEyUHFldjFxRXBGNjVpdjBtWlRkWGJiNHlPRTR5QmtScWJwOHB5OU8ta0FIclRoVExhVGY0Nk5vdUF6Q3BjSllHQUlJbWlDMWJIb09WcFIwQkRLWFk5cTF4X3MtZXNFcW5ob1FFS2lJVQ?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35322 (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/58.json (key "35322", 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