# CAPSTAR BANK
NASHVILLE, TN · FDIC certificate 58823 · asset band $1-10B · latest filing 2024-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 5 (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 | $3.04B | |
| Deposits | $2.56B | |
| Loans and leases | $2.30B | |
| Total equity | $372.6M | |
| Loans / deposits | 88.73% (p57 of band) | 86.20% |
| Liquid assets / assets | 16.97% (p30 of band) | |
| Uninsured deposits / deposits | 42.66% (p84 of band) | 29.23% |
| Brokered deposits | 2.21% | |
| Wholesale funding | 5.00% (p32 of band) | |
| FHLB advances / assets | 2.47% | |
| Tier 1 leverage | 12.41% (p85 of band) | 10.04% |
| Unrealized securities loss / equity | -18.66% (p46 of band) | -16.29% |
| AOCI / equity | -1.18% (p25 of band) | |
| ROA (annualized) | -0.58% (p1 of band) | 0.90% |
| Net interest margin | 2.77% (p32 of band) | 3.12% |
| Efficiency ratio | 122.13% (p99 of band) | |
| Noncurrent loans | 0.81% (p80 of band) | 0.34% |
| Net charge-offs (annualized) | 0.04% (p69 of band) | |
| Reserve coverage of noncurrent | 137.83% | |
| Real estate % of loans | 74% | |
| Construction % of loans | 57.01% (p48 of band) | |
| Auto loans | $12.4M (0.54% of loans; DQ 1.77%, NCO 0.00%) | |
| Loans to nondepository financials | $20.8M (6% of equity) (p87 of band) | |
| Deposits YoY | -7.2% | |
| Employees | 355 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | brokered >10%, wholesale funding >15% |  |
| 2011-06 | 1 |  | wholesale funding >15% |
| 2011-09 | 2 | uninsured deposits >50%, capital falling | brokered >10% |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 | reserve under noncurrent | uninsured deposits >50% |
| 2012-12 | 2 |  |  |
| 2013-03 | 3 | uninsured deposits >50% |  |
| 2013-06 | 3 | brokered >10% | capital falling |
| 2013-09 | 2 |  | reserve under noncurrent |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 | reserve under noncurrent | brokered >10% |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 1 |  | reserve under noncurrent |
| 2015-03 | 1 |  |  |
| 2015-06 | 2 | charge-offs p90 |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 4 | brokered >10%, wholesale funding >15%, capital falling | charge-offs p90 |
| 2016-09 | 3 |  | wholesale funding >15% |
| 2016-12 | 3 | wholesale funding >15% | capital falling |
| 2017-03 | 4 | charge-offs p90 |  |
| 2017-06 | 5 | run vulnerability, losing money | brokered >10% |
| 2017-09 | 5 | brokered >10% | losing money |
| 2017-12 | 4 |  | run vulnerability |
| 2018-03 | 3 | run vulnerability | charge-offs p90, brokered >10% |
| 2018-06 | 2 |  | wholesale funding >15% |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 | expense ratio p90, charge-offs p90 | uninsured deposits >50%, run vulnerability |
| 2019-03 | 2 | uninsured deposits >50%, run vulnerability | expense ratio p90, charge-offs p90 |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 2 | capital falling | run vulnerability |
| 2020-09 | 0 |  | uninsured deposits >50%, capital falling |
| 2020-12 | 1 | uninsured deposits >50% |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 3 | run vulnerability, deposits shrinking |  |
| 2022-09 | 2 |  | deposits shrinking |
| 2022-12 | 3 | brokered >10% |  |
| 2023-03 | 3 |  |  |
| 2023-06 | 3 | capital falling, uninsured deposits leaving | uninsured deposits >50%, run vulnerability |
| 2023-09 | 2 |  | capital falling |
| 2023-12 | 1 |  | brokered >10% |
| 2024-03 | 5 | losing money, expense ratio p90, deposits shrinking, assets shrinking |  |

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

- 2023-10-26 [Old National Bancorp to acquire CapStar Financials Holdings in deal valued at $334M - The Business Journals](https://news.google.com/rss/articles/CBMilgFBVV95cUxON0ZhOXZYWFoxbmhsTm9vMTlwbkFYdVp4RUw1YV9ndl8ySlA5dGFQdTlFeXdLV0pQX0p1YVJwWXZaQmlBcGlablc5RkR0YVo5U0xubjRpZFlxLUJ3OUY1SF9UZ0JGMHhmajVWLWJzZldGQzB1QXdXUDN5cFp0OEhFak5FTVFJcWhjNXhNNTRrT25HTFBQNXc?oc=5) · The Business Journals
- 2020-01-28 [Bank of Waynesboro Merges with CapStar Bank - waynecountynews.net](https://news.google.com/rss/articles/CBMijgFBVV95cUxPQVZUYWZGdGx0N0ZPYnJtY1NqZjlfaDB4X3JoUzhqMU5LQjJNc3QwUWZNbjdnUUNreW9DNnJvMzBFdThVdGptaGowS0lLbTQxRDNyX3ROMnFCVV9Cdm1yckoyelRVZFlkeXZWVkZ1ODBiZ2dVVWtGb3dwdnlHd3JwdzlfMFpjWTdFaEtVZXN3?oc=5) · waynecountynews.net
- 2020-08-01 [First National Bank Merges With CapStar - WGNS Radio](https://news.google.com/rss/articles/CBMihgFBVV95cUxPUE8tVTVycGVWOG1sMjBzcnF4WVhjN2FQRS13eEZhM0FFYVd5cDhYQWZYVldLQnloTmlCLWpCaktZLXpjTWIzbTNyd0hnSEpLbzNuaXl5a3lrM05OeUZQamZjc0VGblR1bFB1ZHdUR1pzSGhWZENfMHE1UWhOOHhfbWJKSTBzZ9IBiwFBVV95cUxPVTh5d0xRTG9uZzMydFZpaF9KMHZzS1pQNk1UZDV0LTl2WGptcU5oTTBJRFF0VUlOckYyRl93bnRtNU1rLW5WNjY5MHFINGZIYlpyTU1vLTJ0QmR2emVWUXZMcktlQnZJS0Y0c0lDY0toRnF6X2hoZERsVDN5aDZJbE5BZTBfMERaTTRF?oc=5) · WGNS Radio
- 2020-10-14 [Peoples Bank to buy two former CapStar Bank locations - The Daily Post-Athenian](https://news.google.com/rss/articles/CBMikgFBVV95cUxNUmVGb1JBa2NZLVI4OXNCa3ViaE1NdmVzckpMaDNscHRGN1pmTk03c1UzOU4yUU04OU12RkkwYVRCRkl5SUs5dWZETy1JTnN4RkkwRTNzTVR2Z3dLSFdMcVE4ZmtZeHl0WDN0RXRldzhJNkZsODM0OVZUMDU5Yk9fc3ZkWEdnZDVXdHVwUmtNQUhSUQ?oc=5) · The Daily Post-Athenian
- 2024-12-05 [Most Admired CEOs Lifetime Achievement: Claire Tucker, CapStar Bank - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQbTdNM00tYllkMjFDeHJFeFh3QURyRXhkSng3Y1diQU5fdFpSc2Iwb29WTUhYajM4TVlwYVliZzJFVkxldkJiZTRVV19Yem1lZlh5RU9pM3pJdlZSWk5sM0FVWTZMSmRHX2NIeW93eUxhclltTEdWbkdUY0NWUFR3dXdKYmhVQ0tldkhlNWdvT2h3R0dTMWEzcmRvMXVxM200Uk5jWi1mODQ?oc=5) · The Business Journals
- 2017-10-31 [CapStar Bank sues investor Gaylon Lawrence, alleging false securities filings - The Tennessean](https://news.google.com/rss/articles/CBMitwFBVV95cUxQWk12MEc1VTNqM0hBYURFSFRfcU9sTG1Yc1NQU3ZGOVhaclBQZFB6WEM2b1dMdldEN1FlZDI1SVpEQUhMSVFnb0t4d0hFUVhMZ3V1OGlRQWpyM09QVDNZRkoyeWs2VjRWRUthU0V1SzQ1WGxtc3h0QmZxRFZUMi1yVmZLMWkyN2dESVY2SGxsNzJrQ3h3UEhhdVpsLWk5c0dQT2tlTWM0TG9ZQVlrc2ZiWG05WmpGS1U?oc=5) · The Tennessean
- 2018-06-07 [McCullough Law Firm Welcomed to Nashville - The Tennessee Tribune](https://news.google.com/rss/articles/CBMickFVX3lxTE9OeVUxSmEwUU1OTDd3cThWdzRPRVhhQWU3N2FzTXYySmhwTkVJWF92V1pSZkxxelgxZU1pdWkxcWNSZjd0RjNwc1JmM0J6c0p6SHZGTTZac0FHZFdTVkZiV3NVeWNnaE1welc2bjY1QThUZw?oc=5) · The Tennessee Tribune
- 2023-06-13 [CapStar Bank names Chip Higgins Middle Tennessee president - The Business Journals](https://news.google.com/rss/articles/CBMirgFBVV95cUxNOGVLMWM0bXJBTXdaLUxicFVrRUJ4eXNENWM4UWd4NFVhWEktYkVtUDJ1Q1gwOERybmNOeVR1WlB3WDc2ekxGREk0VmdHOWxCVU82cUl0aTl1dElWdFZwTXlsUi1HbUpoM0RiTUtHcGhRYy1GeWE3a1BWQWxyNTNSNjQ0cGk1ejVsZVBLY0RnT21FRXE3R3NuaDZDWUxSQ0EzWFNqRWxPaEhJWHdYX1E?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58823 (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/7.json (key "58823", 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