BlastPoint

BlastPoint's Banking Scorecard

Capitol Bank

$100M-$1B Specialty: Commercial WI FDIC cert 34074

Madison, WI

3 branches across WI

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 110 in WI.
  • Deposits -7.7% year over year ($473.0M on the books).
  • Delinquency rate 0.02%.
  • Return on assets 1.12%.
  • Efficiency ratio 59.48% vs a 64.48% peer average.
  • Loan-to-deposit ratio 89.81% 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 110 in WI
View $100M-$1B leaderboard (WI) →

Capitol Bank has 2 strengths but faces 5 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

  • + Credit Quality Leader: Top 15.5% in tier
  • + Efficiency Ratio 5.00% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 3.2% in tier
  • - Deposit Outflow: Bottom 14.4% in tier
  • - Capital Constraint: Bottom 30.8% in tier
  • - ROA 0.20% below tier average
  • - Net Interest Margin 0.77% below tier average
Get updates when Capitol Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Total Assets ? $565.3M
-6.1% YoY -4.1% QoQ
+$178.7M $386.6M
+1.2% YoY
$1.2B
+13.5% YoY
$6.3B
+7.7% YoY
78%
Total Loans ? $424.8M
-10.5% YoY -5.0% QoQ
+$166.4M $258.3M
+1.7% YoY
$860.4M
+13.3% YoY
$3.2B
+9.4% YoY
82%
Total Deposits ? $473.0M
-7.7% YoY -5.0% QoQ
+$146.3M $326.7M
+0.7% YoY
$935.5M
+13.1% YoY
$4.9B
+7.3% YoY
77%
Return on Assets ? 1.12%
+60.0% YoY +0.5% QoQ
-0.20% 1.32%
+10.8% YoY
1.56%
+18.6% YoY
1.30%
+12.1% YoY
42%
Net Interest Margin ? 3.22%
+17.6% YoY +1.2% QoQ
-0.77% 3.99%
+5.0% YoY
3.83%
+8.5% YoY
3.95%
+4.9% YoY
17%
Efficiency Ratio ? 59.48%
-11.4% YoY +0.4% QoQ
-5.00% 64.48%
-3.2% YoY
62.90%
-5.1% YoY
70.05%
+2.5% YoY
59%
Delinquency Rate ? 0.02%
+184.4% YoY +4.1% QoQ
-0.90% 0.92%
+15.7% YoY
0.85%
+12.5% YoY
0.98%
+16.3% YoY
84%
Loan-to-Deposit Ratio ? 89.81%
-3.1% YoY -0.1% QoQ
+11.85% 77.95%
+1.0% YoY
87.22%
+0.9% YoY
79.03%
+2.3% YoY
26%
Non-Interest-Bearing Deposit Share ? 15.31%
-2.7% YoY +5.6% QoQ
-6.72% 22.03%
-0.6% YoY
18.65%
-1.9% YoY
21.98%
-0.6% YoY
26%
Nonperforming Asset Ratio ? 0.01%
-88.9% YoY +3.0% QoQ
-0.65% 0.67%
+16.4% YoY
0.63%
+16.4% YoY
0.69%
+15.8% YoY
Top 14.9% in tier
Tier 1 Capital Ratio ? 15.76%
+16.2% YoY +4.5% QoQ
-0.15% 15.91%
+1.4% YoY
15.02%
+1.5% YoY
17.09%
+0.8% YoY
71%
Non-Interest Income / Assets ? 0.12%
+13.6% YoY +106.1% QoQ
-0.45% 0.57%
+7.6% YoY
2.21%
+12.7% YoY
0.66%
+5.2% YoY
26%

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 (WI) National Avg Tier Percentile
Noninterest-Bearing 15.3%
-0.4pp YoY
+0.8pp QoQ
 -6.8pp 22.1% 18.9% 22.2% 25%
Brokered Deposits 13.1%
-3.1pp YoY
0.0pp QoQ
 +5.2pp 7.9% 9.2% 8.5% 82%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
C&I 13.2%
+0.2pp YoY
+0.2pp QoQ
 +1.6pp 11.6% 10.5% 12.5% 69%
CRE 70.8%
-1.1pp YoY
-1.3pp QoQ
 +31.3pp 39.5% 46.4% 41.4% 94%
1-4 Family 15.0%
+1.4pp YoY
+1.1pp QoQ
 -17.6pp 32.6% 32.3% 31.3% 19%
Consumer 1.1%
+0.3pp YoY
0.0pp QoQ
 -3.1pp 4.1% 2.6% 5.0% 30%

Capital

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
CET1 Ratio 15.8%
+2.2pp YoY
+0.7pp QoQ
 -3.1pp 18.8% 15.5% 19.7% 56%
Leverage Ratio 12.4%
+1.8pp YoY
+1.0pp QoQ
 +0.3pp 12.2% 12.6% 12.6% 69%
Total Capital Ratio 17.0%
+2.2pp YoY
+0.7pp QoQ
 -2.9pp 19.9% 16.6% 20.8% 57%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Full-Time Employees 56
+3 (+5.7%) YoY
+1 (+1.8%) QoQ
 -3 58 134 482 60%
Assets per Employee ($) $10.1M
-11.1% YoY
-5.8% QoQ
 +$2.6M $7.5M $8.2M $8.8M 86%
Branch Count 3
0 YoY
0 QoQ
 -2 4 9 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual 0.0%
0.0pp YoY
0.0pp QoQ
 -0.9pp 0.9% 0.9% 1.0% 6%
Allowance Coverage 75.07x
-59.1% YoY
+1.4% QoQ
 +50.92x 24.15x 56.89x 20.23x 96%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.0% 0.2% 18%

Profitability

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
ROE 9.7%
+2.8pp YoY
-0.3pp QoQ
 -2.5pp 12.2% 11.8% 11.6% 35%
Cost of Funds (YTD) 2.1%
-0.6pp YoY
-0.1pp QoQ
 +0.4pp 1.7% 1.8% 1.7% 74%
Net Income ($, YTD) $3.3M
+52.9% YoY
— QoQ
 +$780K $2.6M $7.9M $40.4M 74%

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)

Credit Quality Leader

growth
#103 of 659 • Top 15.5% in tier

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

Why this signature
Delinquency Rate: 0.02%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank declining

Concerns (3)

Credit Quality Pressure

risk
#41 of 1256 • Bottom 3.2% in tier

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

Why this signature
Delinquency Rate: 0.02%
(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

Deposit Outflow

decline
#78 of 535 • Bottom 14.4% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ | QoQ rank improving

Capital Constraint

risk
#34 of 107 • Bottom 30.8% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature
Loan-to-Deposit Ratio: 89.81%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
Tier 1 Capital Ratio: 15.76%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
107 of 107 Community banks match · 143 nationally
→ Stable -5 banks QoQ | QoQ rank declining

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (5 metrics)

394
Nonperforming Asset Ratio
credit_quality
Value: 0.01%
Peer Median: 0.67%
#394 of 2643 Top 14.9% in $100M-$1B
418
Delinquency Rate
credit_quality
Value: 0.02%
Peer Median: 0.92%
#418 of 2633 Top 15.8% in $100M-$1B
487
Total Loans
size
Value: $424.78M
Peer Median: $258.35M
#487 of 2643 Top 18.4% in $100M-$1B
592
Total Assets
size
Value: $565.30M
Peer Median: $386.57M
#592 of 2643 Top 22.4% in $100M-$1B
604
Total Deposits
size
Value: $473.00M
Peer Median: $326.73M
#604 of 2643 Top 22.8% in $100M-$1B

Top Weaknesses (1 metrics)

2204
Net Interest Margin
profitability
Value: 3.22%
Peer Median: 3.99%
#2204 of 2643 Bottom 16.6% in $100M-$1B
Powered by BlastPoint © 2026