BlastPoint's Banking Scorecard

Capital Bank

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

Jacinto City, TX

9 branches across TX

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 219 in TX.
Deposits +2.6% year over year ($608.7M on the books).
Delinquency rate 0.01%.
Return on assets 1.71%.
Efficiency ratio 56.01% vs a 64.48% peer average.
Loan-to-deposit ratio 96.08% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 219 in TX

View $100M-$1B leaderboard (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 11.5% in tier
+ Credit Quality Leader: Top 20.2% in tier
+ Profitability Leader: Top 42.1% in tier
+ Efficiency Ratio 8.47% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 1.5% in tier
- Credit Risk Growth: Bottom 17.7% in tier
- Liquidity Strain: Bottom 41.5% in tier

Get updates when Capital Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$689.7M +3.6% YoY -0.7% QoQ	+$303.2M	$386.6M +1.2% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	Top 12.9% in tier
Total Loans ?	$584.9M +6.0% YoY +1.1% QoQ	+$326.5M	$258.3M +1.7% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	Top 6.7% in tier
Total Deposits ?	$608.7M +2.6% YoY -0.9% QoQ	+$282.0M	$326.7M +0.7% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	Top 11.6% in tier
Return on Assets ?	1.71% +34.2% YoY +6.3% QoQ	+0.38%	1.32% +10.8% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	76%
Net Interest Margin ?	5.09% +12.8% YoY +3.3% QoQ	+1.10%	3.99% +5.0% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	Top 7.0% in tier
Efficiency Ratio ?	56.01% -10.9% YoY -2.4% QoQ	-8.47%	64.48% -3.2% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	69%
Delinquency Rate ?	0.01% -97.6% QoQ	-0.91%	0.92% +15.7% YoY	0.94% +18.8% YoY	0.98% +16.3% YoY	Top 13.7% in tier
Loan-to-Deposit Ratio ?	96.08% +3.3% YoY +2.1% QoQ	+18.13%	77.95% +1.0% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	Bottom 14.8% in tier
Non-Interest-Bearing Deposit Share ?	39.69% +8.5% YoY +3.1% QoQ	+17.66%	22.03% -0.6% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	Top 4.9% in tier
Nonperforming Asset Ratio ?	0.01% -37.8% YoY -97.6% QoQ	-0.66%	0.67% +16.4% YoY	0.64% +15.8% YoY	0.69% +15.8% YoY	Top 13.1% in tier
Tier 1 Capital Ratio ?	13.14% +5.9% YoY +0.9% QoQ	-2.77%	15.91% +1.4% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	49%
Non-Interest Income / Assets ?	0.19% -2.4% YoY +90.0% QoQ	-0.37%	0.57% +7.6% YoY	0.40% +1.2% YoY	0.66% +5.2% YoY	47%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Noninterest-Bearing	39.7% +3.1pp YoY +1.2pp QoQ	+17.5pp	22.1%	29.2%	22.2%	95%
Brokered Deposits	n/a	n/a	7.9%	8.0%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
C&I	4.7% 0.0pp YoY 0.0pp QoQ	-6.8pp	11.6%	14.8%	12.5%	18%
CRE	77.3% +0.2pp YoY +0.1pp QoQ	+37.7pp	39.5%	48.4%	41.4%	96%
1-4 Family	17.2% -0.3pp YoY -0.2pp QoQ	-15.4pp	32.6%	25.8%	31.3%	24%
Consumer	1.9% +0.1pp YoY +0.1pp QoQ	-2.2pp	4.1%	4.7%	5.0%	46%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
CET1 Ratio	13.1% +0.7pp YoY +0.1pp QoQ	-5.7pp	18.8%	22.7%	19.7%	30%
Leverage Ratio	10.8% +0.6pp YoY 0.0pp QoQ	-1.4pp	12.2%	12.6%	12.6%	46%
Total Capital Ratio	14.4% +0.8pp YoY +0.1pp QoQ	-5.6pp	19.9%	23.8%	20.8%	31%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Full-Time Employees	101 +5 (+5.2%) YoY +5 (+5.2%) QoQ	+42	58	186	482	87%
Assets per Employee ($)	$6.8M -1.5% YoY -5.6% QoQ	-$689K	$7.5M	$10.1M	$8.8M	49%
Branch Count	9 0 YoY 0 QoQ	+4	4	12	18	86%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.3%	0.4%	n/a
Nonaccrual	0.0% -0.3pp QoQ	-0.9pp	0.9%	1.0%	1.0%	2%
Allowance Coverage	144.72x +3943.8% QoQ	+120.57x	24.15x	18.82x	20.23x	98%
Net Charge-off Rate (YTD)	0.1% +0.1pp YoY +0.1pp QoQ	0.0pp	0.1%	0.1%	0.2%	78%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
ROE	16.5% +3.4pp YoY +0.9pp QoQ	+4.3pp	12.2%	13.2%	11.6%	75%
Cost of Funds (YTD)	1.5% -0.2pp YoY 0.0pp QoQ	-0.2pp	1.7%	1.6%	1.7%	35%
Net Income ($, YTD)	$5.8M +41.9% YoY — QoQ	+$3.3M	$2.6M	$15.9M	$40.4M	91%

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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 (3)

Deposit Franchise

growth

#33 of 278 • Top 11.5% 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: 39.69%

(Tier: 22.03%, National: 21.98%)

better than tier avg

Net Interest Margin: 5.09%

(Tier: 3.99%, National: 3.95%)

better than tier avg

278 of 278 Community banks match · 368 nationally

→ Stable -1 banks QoQ | QoQ rank improving

Credit Quality Leader

growth

#134 of 659 • Top 20.2% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.01%

(Tier: 0.92%, National: 0.98%)

better than tier avg

659 of 659 Community banks match · 920 nationally

→ Stable +1 banks QoQ

Profitability Leader

growth

#279 of 661 • Top 42.1% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 1.71%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable

Concerns (3)

Credit Quality Pressure

risk

#20 of 1256 • Bottom 1.5% in tier

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

Why this signature

Delinquency Rate: 0.01%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank improving

Credit Risk Growth

risk

#167 of 936 • Bottom 17.7% in tier

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

936 of 936 Community banks match · 1401 nationally

→ Stable -58 banks QoQ | QoQ rank improving

Liquidity Strain

risk

#288 of 691 • Bottom 41.5% 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: 96.08%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank improving

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 2643 peers in $100M-$1B

Top Strengths (8 metrics)

130

Non-Interest-Bearing Deposit Share

funding

Value: 39.69%

Peer Median: 22.03%

#130 of 2643 Top 4.9% in $100M-$1B

178

Total Loans

size

Value: $584.87M

Peer Median: $258.35M

#178 of 2643 Top 6.7% in $100M-$1B

186

Net Interest Margin

profitability

Value: 5.09%

Peer Median: 3.99%

#186 of 2643 Top 7.0% in $100M-$1B

307

Total Deposits

size

Value: $608.74M

Peer Median: $326.73M

#307 of 2643 Top 11.6% in $100M-$1B

343

Total Assets

size

Value: $689.72M

Peer Median: $386.57M

#343 of 2643 Top 12.9% in $100M-$1B

347

Nonperforming Asset Ratio

credit_quality

Value: 0.01%

Peer Median: 0.67%

#347 of 2643 Top 13.1% in $100M-$1B

363

Delinquency Rate

credit_quality

Value: 0.01%

Peer Median: 0.92%

#363 of 2633 Top 13.7% in $100M-$1B

636

Return on Assets

profitability

Value: 1.71%

Peer Median: 1.32%

#636 of 2643 Top 24.0% in $100M-$1B

Top Weaknesses (1 metrics)

2252

Loan-to-Deposit Ratio

liquidity

Value: 96.08%

Peer Median: 77.95%

#2252 of 2643 Bottom 14.8% in $100M-$1B