# CAPITAL BANK
SAN JUAN CAPISTR, CA · FDIC certificate 58462 · asset band <$300M · latest filing 2017-09 · 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 | $290.1M | |
| Deposits | $241.5M | |
| Loans and leases | $257.4M | |
| Total equity | $33.3M | |
| Loans / deposits | 105.21% (p94 of band) | 76.19% |
| Liquid assets / assets | 9.53% (p5 of band) | |
| Uninsured deposits / deposits | 49.74% (p98 of band) | 14.99% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 5.17% (p65 of band) | |
| FHLB advances / assets | 5.17% | |
| Tier 1 leverage | 10.94% (p49 of band) | 11.02% |
| Unrealized securities loss / equity | 0.00% (p46 of band) | 0.02% |
| AOCI / equity | 0.05% (p24 of band) | |
| ROA (annualized) | 2.14% (p95 of band) | 0.90% |
| Net interest margin | 4.51% (p89 of band) | 3.71% |
| Efficiency ratio | 56.85% (p16 of band) | |
| Noncurrent loans | 0.10% (p24 of band) | 0.62% |
| Net charge-offs (annualized) | 0.14% (p83 of band) | |
| Reserve coverage of noncurrent | 1277.86% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 84.77% (p92 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -5.4% | |
| Employees | 33 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **liquid assets <10%** (`liq_thin`)
- **deposits shrinking** (`shrink_deposits`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | charge-offs p90 |  |
| 2011-12 | 0 |  | charge-offs p90 |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | capital falling |  |
| 2012-12 | 0 |  | capital falling |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | capital falling |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 2 | loans exceed deposits |  |
| 2014-03 | 3 | construction >100% equity |  |
| 2014-06 | 3 |  |  |
| 2014-09 | 2 |  | loans exceed deposits |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 2 | uninsured deposits >50% | capital falling |
| 2015-09 | 1 |  | construction >100% equity |
| 2015-12 | 2 | construction >100% equity |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 1 |  | uninsured deposits >50% |
| 2016-09 | 2 | uninsured deposits >50% |  |
| 2016-12 | 2 | capital falling | construction >100% equity |
| 2017-03 | 2 | run vulnerability | capital falling |
| 2017-06 | 3 | construction >100% equity |  |
| 2017-09 | 3 | loans exceed deposits, liquid assets <10%, deposits shrinking | uninsured deposits >50%, run vulnerability, construction >100% equity |

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

- 2026-08-31 [Texas Capital Bank’s energy head talks career path from rural Canada to Houston - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQQk5KNTlVVHFNamg4VEZMUWw1N29INVJBa3RzRS1MMEcwZ2VqdDQzR3BqM2h5cWU1dzZuZjBFVFg3Ui16VXhrc1lfWGlwQkVwdVZYcXc2OTk2ZzY1ZGRWX2ZnVU1XOVBrZlRnWko1dmNsM05pcV9JZ3d6N0VudlBiVGRaekpMVVhuekIxSEdvbi1mRmh0UmRYckc4eEF6ZzBwM1BkY3dHNzE2dw?oc=5) · The Business Journals
- 2026-06-18 [MidFirst Bank to buy Dallas-based commercial bank - Banking Dive](https://news.google.com/rss/articles/CBMipgFBVV95cUxPMGdwUEJlNVFPay1tLUs5NlM4cUlmUGtSYW8zNDA2aXp0VG1LbGRlRUJETThFcURyb3JJRnZYVmNKbjFzcVVSem1WQjFZU25OOEVOTWdhMnYwRW9FemZmOEhLMXpIZ2NMZXM3S0lXV21xcDZXT3R0MVJjT1A5Umh3dmw0eFJGczkzbVN2OHI3bmQzWUJGYTVlRHp4eTg1aFJUYkJMLUd3?oc=5) · Banking Dive
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-08-24 [Failed Banks In The US: An Analysis By Year, Size And More - Forbes](https://news.google.com/rss/articles/CBMibEFVX3lxTE9SRkVrQmdfS2FWVWlBdzNCcy1OTlAyNlVSUEpoMG5WVllXR0V1dW5NSFBRSW91OUFjZ055S3dyS3RaaVg3dVc3UU12XzhENE5nanJFeEExR016RTR4Y1BERHVJSHlzSDNqS3pUWQ?oc=5) · Forbes
- 2026-05-14 [Redwood Capital Bancorp Announces Planned Leadership Transition: Jennifer P. Budwig Named President; John E. Dalby Continues as CEO - Business Wire](https://news.google.com/rss/articles/CBMilAJBVV95cUxPY2NROGxVTTg5MzJHYjFZSDEzRnktQ3BlR19xLUdUOXkzaUU4c21XclFHamc4Q3lCdlgwaG4tNE96LVBidldWcmI4NmtleHI3bHlWd2ctZFdoY0J1Z2dPMWRsOUJ0cVBYZHZCZVB3VkxpVGd0S3VFZXN3TzZWWlVJQ0JlYVZQUnQ4MzRJMW1LU1luaE9FREVwalRydDdXMFVpYWs4R25pQzl2OER4aEJNUzN3RzdJNmZIMFBVd2VzVnJzNlpjRVpNSmRSUkRaWlRQamRIeXRsN0Vvd3VPVGR2dXUtRWhCZGFsVDJ5U3NpNXN0VmdPblRBd05qNUZFYU9wZUpkY0JuYTlnT1BCeE84VVFwR3g?oc=5) · Business Wire
- 2026-02-09 [15 most recent bank failures - American Banker](https://news.google.com/rss/articles/CBMickFVX3lxTE9OU0FZMFVvZ2QtYXVOTWpCa3djUGxETDEzbzlFTWhobUpfVnZMdWlDWmswQzNrOEIzc0ZDWVM3cnFTV1ZXTlRMamp2V25jM0ppMTBYM3BEZFM3OFI4bnIyaFlBSlQtT2NNa0RxMURCZ3JaQQ?oc=5) · American Banker
- 2025-11-10 [Comenity Bank Owes $20M Over Dispute Handling, Jury Says - Law360](https://news.google.com/rss/articles/CBMimgFBVV95cUxNSlk1V19WYUkwR0dFcTlSY2JPa3BrWFFqcmRwazE1M2NkV0NZeEt4eUQ2dGZiZXNzb2NPWkRCQ1NnWlljNUVIVGEzeUxiZ1p3eGt2bTJnN0dscFFiN19lRXdmcjMwXzJjdDlYazNWNElUaGF1ZndLMGdtaFpmWV95YUcxNUltN2ZseXZwMjcwYW9WVGRoRU02aDVB0gFWQVVfeXFMUDRXbFhuS25lNjdranFoX2JsUi1kTExwenQ4dV8xSGJYelJSWTVkOTBQQ0VSTmluRHNpc0hZMHNyLVJlNTFxaGtkV1JyZUZCWVVXaS1lZVE?oc=5) · Law360
- 2024-10-01 [West Coast Community Bancorp and 1st Capital Bancorp Announce Completion of Merger - PR Newswire](https://news.google.com/rss/articles/CBMi1AFBVV95cUxOeEtDRkIzRGdqa3M3cnFkSHRFS3VFZ2FOWENTdHJLdGtfS3ljYWZkbFU3T09QMDBvUFVLR3A1S0RscllIWG5ReHVabFk5dzNFOC1kYW9IWV8zbDFmVnpUTVBKd3Y4RU9UTDV4N29aaGwzQlZhcWFlMmpHQnJXUF9TYW1LeThtS05XNElJSEFuWWxrbnlzRGxvR3JvN09CSTZ2TUdFZUJ6SlpLSU5GY2VVR0JmdVVEekIwYWozMnozb1E2SmVRdWstTzVtNERuTXY5YThueQ?oc=5) · PR Newswire

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58462 (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/30.json (key "58462", 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