BlastPoint's Banking Scorecard

Capital Bank

$100M-$1B Specialty: Commercial TX FDIC cert 19401

Jacinto City, TX

9 branches across TX

2664 banks in the $100M-$1B peer group nationally 219 in TX

Capital Bank has 4 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Deposit Franchise: Top 21.3% in tier
+ ROA 0.34% above tier average
+ Efficiency Ratio 7.93% below tier average
+ Delinquency Rate 0.56% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 41.0% in tier
- Liquidity Strain: Bottom 46.7% in tier
- Credit Risk Growth: Bottom 47.7% in tier

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$694.3M +8.0% YoY +3.1% QoQ	+$308.3M	$386.1M +0.5% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	Top 12.9% in tier
Total Loans ?	$578.4M +8.7% YoY +1.3% QoQ	+$322.7M	$255.7M +1.1% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	Top 6.9% in tier
Total Deposits ?	$614.4M +7.6% YoY +4.2% QoQ	+$286.4M	$328.0M +0.1% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	Top 11.6% in tier
Return on Assets ?	1.60% +29.7% YoY +12.9% QoQ	+0.34%	1.27% +12.9% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	73%
Net Interest Margin ?	4.92% +11.6% YoY +5.5% QoQ	+0.99%	3.93% +6.0% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	Top 8.4% in tier
Efficiency Ratio ?	57.36% -9.1% YoY -5.0% QoQ	-7.93%	65.29% -4.5% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	67%
Delinquency Rate ?	0.33%	-0.56%	0.89% +18.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	55%
Loan-to-Deposit Ratio ?	94.14% +1.1% YoY -2.7% QoQ	+17.50%	76.64% +0.8% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	16%
Non-Interest-Bearing Deposit Share ?	38.51% +0.8% YoY +6.3% QoQ	+16.49%	22.02% -1.0% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	Top 6.0% in tier
Nonperforming Asset Ratio ?	0.28%	-0.35%	0.64% +19.7% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	52%
Tier 1 Capital Ratio ?	13.02% +1.4% YoY +1.7% QoQ	-2.81%	15.83% +1.5% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	47%
Non-Interest Income / Assets ?	0.10% -3.4% YoY -75.7% QoQ	-0.18%	0.28% +9.3% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	52%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Deposit Franchise

growth

#59 of 272 • Top 21.3% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 38.51%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 4.92%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ | QoQ rank improving

Concerns (3)

Credit Quality Pressure

risk

#537 of 1308 • Bottom 41.0% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.33%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ

Liquidity Strain

risk

#301 of 643 • Bottom 46.7% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 94.14%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

Credit Risk Growth

risk

#465 of 973 • Bottom 47.7% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (5 metrics)

161

Non-Interest-Bearing Deposit Share

funding

Value: 38.51%

Peer Median: 22.02%

#161 of 2664 Top 6.0% in $100M-$1B

184

Total Loans

size

Value: $578.40M

Peer Median: $255.72M

#184 of 2664 Top 6.9% in $100M-$1B

225

Net Interest Margin

profitability

Value: 4.92%

Peer Median: 3.93%

#225 of 2664 Top 8.4% in $100M-$1B

310

Total Deposits

size

Value: $614.42M

Peer Median: $327.97M

#310 of 2664 Top 11.6% in $100M-$1B

345

Total Assets

size

Value: $694.34M

Peer Median: $386.08M

#345 of 2664 Top 12.9% in $100M-$1B

Top Weaknesses (1 metrics)

2228

Loan-to-Deposit Ratio

liquidity

Value: 94.14%

Peer Median: 76.64%

#2228 of 2664 Bottom 16.4% in $100M-$1B