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Capital Bank and Trust Company

$100M-$1B Specialty: Other CA FDIC cert 35164

Irvine, CA

2 branches across CA · NV

Non-lending institution — comparison caveats apply

Capital Bank and Trust Company is a trust company, wealth-management entity, or similar non-lending FDIC institution. Loan-based ratios (Loan-to-Deposit, Delinquency Rate, Non-Performing Asset Ratio, Non-Interest-Bearing Deposit Share) and capital ratios are mathematically valid but not directly comparable to traditional banks. This bank is excluded from the Signature Analysis leaderboards for the same reason.

2643 banks in the $100M-$1B peer group nationally 53 in CA
View $100M-$1B leaderboard (CA) →

Capital Bank and Trust Company has 4 strengths but faces 2 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

  • + Profitability Leader: Top 2.9% in tier
  • + Revenue Diversifier: Top 3.3% in tier
  • + Nonperforming Asset Ratio 0.67% below tier average
  • + Efficiency Ratio 5.42% below tier average

Key Concerns

Areas that may need attention

  • - Non-Interest-Bearing Deposit Share 22.03% below tier average
  • - Net Interest Margin 0.46% below tier average
Get updates when Capital Bank and Trust Company releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Total Assets ? $266.1M
+38.3% YoY +17.5% QoQ
-$120.5M $386.6M
+1.2% YoY
$4.9B
+8.2% YoY
$6.3B
+7.7% YoY
40%
Total Loans ? $0 -$258.3M $258.3M
+1.7% YoY
$3.3B
+8.0% YoY
$3.2B
+9.4% YoY
Bottom 0.4% in tier
Total Deposits ? $500K
0% YoY 0% QoQ
-$326.2M $326.7M
+0.7% YoY
$4.0B
+7.9% YoY
$4.9B
+7.3% YoY
Bottom 0.2% in tier
Return on Assets ? 81.14%
+22.4% YoY -0.4% QoQ
+79.82% 1.32%
+10.8% YoY
1.69%
+23.4% YoY
1.30%
+12.1% YoY
Top 0.1% in tier
Net Interest Margin ? 3.53%
+7.1% YoY +2.8% QoQ
-0.46% 3.99%
+5.0% YoY
3.84%
+2.9% YoY
3.95%
+4.9% YoY
29%
Efficiency Ratio ? 59.06%
-6.2% YoY -0.0% QoQ
-5.42% 64.48%
-3.2% YoY
64.67%
-10.5% YoY
70.05%
+2.5% YoY
60%
Delinquency Rate ? - - 0.92%
+15.7% YoY
1.15%
+46.6% YoY
0.98%
+16.3% YoY
-
Loan-to-Deposit Ratio ? 0.00% -77.95% 77.95%
+1.0% YoY
86.69%
+1.8% YoY
79.03%
+2.3% YoY
Top 0.1% in tier
Non-Interest-Bearing Deposit Share ? 0.00% -22.03% 22.03%
-0.6% YoY
25.07%
-3.4% YoY
21.98%
-0.6% YoY
Bottom 0.5% in tier
Nonperforming Asset Ratio ? 0.00% -0.67% 0.67%
+16.4% YoY
0.91%
+41.3% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 202.30%
+12.7% YoY +13.9% QoQ
+186.39% 15.91%
+1.4% YoY
20.69%
-2.9% YoY
17.09%
+0.8% YoY
Top 0.2% in tier
Non-Interest Income / Assets ? 106.70%
+6.3% YoY +81.4% QoQ
+106.13% 0.57%
+7.6% YoY
1.26%
+3.5% YoY
0.66%
+5.2% YoY
Top 0.1% in tier

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 (CA) National Avg Tier Percentile
Noninterest-Bearing n/a n/a 22.1% 25.5% 22.2% n/a
Brokered Deposits n/a n/a 7.9% 11.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
C&I n/a n/a 11.6% 11.8% 12.5% n/a
CRE n/a n/a 39.5% 67.5% 41.4% n/a
1-4 Family n/a n/a 32.6% 16.5% 31.3% n/a
Consumer n/a n/a 4.1% 5.3% 5.0% n/a

Capital

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
CET1 Ratio 202.3%
+22.8pp YoY
+24.7pp QoQ
 +183.5pp 18.8% 23.7% 19.7% 100%
Leverage Ratio 79.3%
+6.5pp YoY
+9.5pp QoQ
 +67.1pp 12.2% 14.5% 12.6% 100%
Total Capital Ratio 202.3%
+22.8pp YoY
+24.7pp QoQ
 +182.4pp 19.9% 25.1% 20.8% 100%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Full-Time Employees 121
-15 (-11.0%) YoY
-3 (-2.4%) QoQ
 +62 58 337 482 93%
Assets per Employee ($) $2.2M
+55.5% YoY
+20.4% QoQ
 -$5.3M $7.5M $11.3M $8.8M 1%
Branch Count 2
0 YoY
0 QoQ
 -3 4 15 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.3% 0.4% n/a
Nonaccrual n/a n/a 0.9% 1.4% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 17.11x 20.23x n/a
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.3% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
ROE 114.5%
+12.5pp YoY
-8.7pp QoQ
 +102.3pp 12.2% 8.2% 11.6% 100%
Cost of Funds (YTD) n/a n/a 1.7% 1.9% 1.7% n/a
Net Income ($, YTD) $92.5M
+64.0% YoY
— QoQ
 +$89.9M $2.6M $28.5M $40.4M 100%

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 (2)

Profitability Leader

growth
#20 of 661 • Top 2.9% in tier

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

Why this signature
Return on Assets: 81.14%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Revenue Diversifier

growth
#23 of 661 • Top 3.3% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 106.70%
(Tier: 0.57%, National: 0.66%)
better than tier avg
Return on Assets: 81.14%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

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)

1
Return on Assets
profitability
Value: 81.14%
Peer Median: 1.32%
#1 of 2643 Top 0.1% in $100M-$1B
1
Loan-to-Deposit Ratio
liquidity
Value: 0.00%
Peer Median: 77.95%
#1 of 2643 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 2643 Top 0.1% in $100M-$1B
2
Non-Interest Income / Assets
revenue_mix
Value: 106.70%
Peer Median: 0.57%
#2 of 2643 Top 0.1% in $100M-$1B
5
Tier 1 Capital Ratio
capital
Value: 202.30%
Peer Median: 15.91%
#5 of 2643 Top 0.2% in $100M-$1B

Top Weaknesses (3 metrics)

2640
Total Deposits
size
Value: $500,000
Peer Median: $326.73M
#2640 of 2643 Bottom 0.2% in $100M-$1B
2634
Total Loans
size
Value: $0.00
Peer Median: $258.35M
#2634 of 2643 Bottom 0.4% in $100M-$1B
2630
Non-Interest-Bearing Deposit Share
funding
Value: 0.00%
Peer Median: 22.03%
#2630 of 2643 Bottom 0.5% in $100M-$1B
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