Capital Bank and Trust Company
Irvine, CA·RSSD 2921659·FDIC 35164·bank:2921659·Risk-based ratios where reported
- #100 of 120Total assets in California
- 2offices
- 121employees
- Top 1%Return on assets vs. peers
- Top 1%Fee income vs. peers
- #7 of 3,695Lowest cost of deposits in the U.S.
Performance over time
23 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
Portfolio detail unavailable
This source does not provide mapped loan categories for this filing.
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Capital Bank and Trust Company
5 of 19 FORFI signals stand out against 1223 similar banks, based on FDIC data for the quarter.
Fee and other noninterest income among the highest of similar banksStrength: Earnings 2nd quarter245.42%peers 0.36%+24506 bps
Capital Bank and Trust Company's noninterest income relative to average assets was 245.42%, compared with a median of 0.36% among 1223 similar banks: the highest of them.
| This institution | Peer median | Difference |
|---|---|---|
| Noninterest income relative to average assets | ||
| 245.42% | 0.36% | +24506 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Capital Bank and Trust Company itself is left out of every peer median and percentile. How signals work
Deposit costs among the lowest of similar banksStrength: Funding 2nd quarter0.00%peers 1.68%-168 bps
Capital Bank and Trust Company's cost of all deposits was 0.00%, compared with a median of 1.68% among 1213 similar banks: the lowest of them.
| This institution | Peer median | Difference |
|---|---|---|
| Cost of all deposits | ||
| 0.00% | 1.68% | -168 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Capital Bank and Trust Company itself is left out of every peer median and percentile. How signals work
Leverage capital ratio rising faster than peersStrength: Capital 2nd quarter79.26%peers 11.33%+67.9 pp
Capital Bank and Trust Company's leverage ratio rose 6.5 percentage points over the past year to 79.26%. Among 1222 similar banks, the median rose 0.1 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Leverage ratio | ||
| 79.26% | 11.33% | +67.9 pp |
| 12-month change | ||
| +6.5 pp | +0.1 pp | +6.3 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Capital Bank and Trust Company itself is left out of every peer median and percentile. How signals work
Total assets growing faster than peersStrength: Growth 2nd quarter+38.3%peers +4.2%+34.1 pp
Capital Bank and Trust Company's total assets grew 38.3% over the past year to $266 million. The median among 1222 similar banks was +4.2%.
| This institution | Peer median | Difference |
|---|---|---|
| Total assets, 12-month growth | ||
| +38.3% | +4.2% | +34.1 pp |
| Total assets | ||
| $266 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Capital Bank and Trust Company itself is left out of every peer median and percentile. How signals work
1 more observation
- Return on assets rising faster than peersEarnings
Key facts
- Capital Bank and Trust Company is a bank headquartered in Irvine, California. It reported $266 million in total assets for the quarter ended June 30, 2026.
- Deposits totaled $500,000, up 0.0% from a year earlier, and loans totaled $0.
- Its net interest margin was 3.61% and its annualized return on assets was 81.37% for the quarter.
- Its cost of all deposits was 0.00%, compared with a median of 1.68% among 1213 similar banks with $100 million to $300 million in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Capital Bank and Trust Company's own data, FORFI would look at: Which relationships and products drive the change in earnings, and where pricing has drifted.
Analysis workspaces
Sources and identifiers
- Institution
- Capital Bank and Trust Company · Bank
- Federal Reserve RSSD
- 2921659
- FDIC certificate
- 35164
- Reporting period
- Peer group
- 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Capital Bank and Trust Company itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| $49.96M | — | |
| $1.64M | — | |
| $0 | — | |
| $1.64M | — | |
| $150.67M | — | |
| $89.92M | — | |
| $0 | — | |
| $0 | — | |
| 81.37% | 81.15%ROAQ · Quarter | |
| 3.61% | 3.60%NIMYQ · Quarter | |
| 59.03% | 59.03%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.