# CAPITAL BANK CORP
RALEIGH, NC · FDIC certificate 59049 · asset band $10-100B · latest filing 2017-09 · stopped filing (departed)

**Verdict on the desk:** this could be *fortress*. Composite score 0 (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 | $10.14B | |
| Deposits | $8.21B | |
| Loans and leases | $7.61B | |
| Total equity | $1.40B | |
| Loans / deposits | 92.11% (p55 of band) | 91.44% |
| Liquid assets / assets | 17.28% (p34 of band) | |
| Uninsured deposits / deposits | 27.63% (p37 of band) | 34.40% |
| Brokered deposits | 5.61% | |
| Wholesale funding | 10.29% (p43 of band) | |
| FHLB advances / assets | 4.34% | |
| Tier 1 leverage | 10.87% (p75 of band) | 9.66% |
| Unrealized securities loss / equity | -0.15% (p53 of band) | -0.19% |
| AOCI / equity | 0.44% (p58 of band) | |
| ROA (annualized) | 1.02% (p44 of band) | 1.07% |
| Net interest margin | 3.81% (p77 of band) | 3.31% |
| Efficiency ratio | 55.16% (p40 of band) | |
| Noncurrent loans | 0.38% (p24 of band) | 0.66% |
| Net charge-offs (annualized) | 0.08% (p54 of band) | |
| Reserve coverage of noncurrent | 158.57% | |
| Real estate % of loans | 73% | |
| Construction % of loans | 39.10% (p69 of band) | |
| Auto loans | $331.2M (4.35% of loans; DQ 4.71%, NCO 0.06%) | |
| Loans to nondepository financials | $0 (0% of equity) (p14 of band) | |
| Deposits YoY | 33.0% | |
| Employees | 1689 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 3 | assets shrinking |  |
| 2012-12 | 2 |  | assets shrinking |
| 2013-03 | 2 |  |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 4 | deposits shrinking, assets shrinking |  |
| 2014-03 | 4 |  |  |
| 2014-06 | 3 |  | assets shrinking |
| 2014-09 | 2 |  | deposits shrinking |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 0 |  | noncurrent p90, reserve under noncurrent |
| 2015-09 | 1 | wholesale funding >15% |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 0 |  | wholesale funding >15% |
| 2016-06 | 1 | wholesale funding >15% |  |
| 2016-09 | 0 |  | wholesale funding >15% |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |

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

- 2017-12-01 [First Horizon completes $2.2 billion transaction - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxQSEstTEozcFhvUVpEU0JOSVFkVUVHU1p2ejhTYWluMjBjeUNsWFh3UFlxcGFTWWhSUXBxN2wzazdHM0hYNkFHaTVRZjNWTTVndU1VSGp0S2c0Tnd3MWxJU2J6N3lsUUgwTlFEUE5tSlVVUmFWb0xsZDFqR0ZYb3pKcG9idHV3RDh5VkdJWFFJczkwNUJFYnhRUTNjdHZkbGozOTBPVjJ4SQ?oc=5) · The Business Journals
- 2022-08-18 [Bailout List: Banks, Auto Companies, and More | Eye on the Bailout - ProPublica](https://news.google.com/rss/articles/CBMiV0FVX3lxTE9yUjlLUHlRTkFPekMwR3J1MXFxS2o0OWc3cTFybnY2U1ZhZ1BkTVRweEE5bXJuWnVSTTRxWk1malZlQ2dPUVpHSTk0OTZfNUg3aGpUVVJrbw?oc=5) · ProPublica
- 2017-08-29 [Which Small Bank Has the Biggest ROAE? Read On - American Banker](https://news.google.com/rss/articles/CBMiYkFVX3lxTE5idnlFN1htSVZtYlE1el9KdW9MVjJSbWFSd0kyaUxvMHZ2ZFVIUjZpeExmZUJoenlXV1FNek1JeWN4UlN1RlRJdlFtV1JpYU93Rk41dnVtRnRSWlZGeWlzWEln?oc=5) · American Banker
- 2026-06-03 [Texas Capital Bank Hit With Suit After Data Breach - Law360](https://news.google.com/rss/articles/CBMilAFBVV95cUxOWmVmWE1SNEpxbzI4OE5RNjFYUHJVMnRWZWRDVDNXNTBibDRmc25jalBHT21mSGtpcjRESUJ5Um9TWmY0d3Rjc3owTmRxUjRtUHd5dU1ESDlHM0lNVEFMcThub3VIMGlvNjU5TXpVZUJueTRialQ0OGl6V2RZLVZqUjBnQmJIM2tUbV9kMG1xLXFyLTVF0gFWQVVfeXFMTVNYcjVOLU9lMlB2UjBidU01b1lrWnM0VXQ0VDBkektLVUtMMWQ4aU1Nd25OV3FIRm9EMm1yME5BQTNUS0Znb0hwNGVQUDdEbTMwZHh1Rmc?oc=5) · Law360
- 2016-06-22 [BB&T to acquire The Bank of Kentucky Financial Corp. - SEC.gov](https://news.google.com/rss/articles/CBMiggFBVV95cUxQSHVEWWMyTEN5ZHZWNG1rS2VPaDF2R0xkYkN3dXJtaDFfaWIzSVNhblVOdXhiT3FjU2pHdXc3WXZqVXYyYnRqN3dsSTY0YU5JejhlMWh0ZzhCME5Pdl9Nbnl6YUFkTG5tTG9pLWdISFhUbzVYZTlPLS1MWE9nQ29yd0NR?oc=5) · SEC.gov
- 2020-07-24 [Ernest Koury, Sr. Obituary Jul 24, 2020 - Lowe Funeral Home](https://news.google.com/rss/articles/CBMiaEFVX3lxTFBPd2ZGR01Uc0ItSXlQTEpUOW9kYV91WktsR1RpZDF6YndBQ2pLY3Juclp3TTFsS0ItcmJmS2ROQjF3cjdZZ0RKRUpJU1ZGN3RDRXh3aWlVRGVJSUgwYW5uOWhQb2dtZDly?oc=5) · Lowe Funeral Home
- 2025-11-10 [Comenity Bank Owes $20M Over Dispute Handling, Jury Says - Law360](https://news.google.com/rss/articles/CBMimgFBVV95cUxNSlk1V19WYUkwR0dFcTlSY2JPa3BrWFFqcmRwazE1M2NkV0NZeEt4eUQ2dGZiZXNzb2NPWkRCQ1NnWlljNUVIVGEzeUxiZ1p3eGt2bTJnN0dscFFiN19lRXdmcjMwXzJjdDlYazNWNElUaGF1ZndLMGdtaFpmWV95YUcxNUltN2ZseXZwMjcwYW9WVGRoRU02aDVB0gFWQVVfeXFMUDRXbFhuS25lNjdranFoX2JsUi1kTExwenQ4dV8xSGJYelJSWTVkOTBQQ0VSTmluRHNpc0hZMHNyLVJlNTFxaGtkV1JyZUZCWVVXaS1lZVE?oc=5) · Law360
- 2011-11-04 [Bailout Tracker - ProPublica](https://news.google.com/rss/articles/CBMiYEFVX3lxTE9WRVU5S0txR3VSdlY5QlVQdmdtVTNNdXE0bWZXZnBWT0tuaUx2VFg3Y0FReEZEZnRVV0hDNldzN0puTUpWd3pVcU83V2JYMkdodHRoNTluX2VpMk1ucUtTbQ?oc=5) · ProPublica

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=59049 (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/41.json (key "59049", 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