Capital Community Bank
Provo, UT·RSSD 2068107·FDIC 33823·bank:2068107·Risk-based ratios where reported
- #28 of 45Total assets in Utah
- 8offices
- 249employees
- #9 of 3,712Net interest margin in the U.S.
- Top 1%Return on assets vs. peers
- Top 2%Efficiency 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
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Capital Community Bank
8 of 24 FORFI signals stand out against 629 similar banks, based on FDIC data for the quarter.
Net charge-offs rising while the peer median holds steadyWorth a look: Asset quality 2nd quarter5.95%peers 0.02%+593 bps
Capital Community Bank's annualized net charge-off rate rose 102 bps over the past year to 5.95%. Among 623 similar banks, the median was essentially unchanged.
| This institution | Peer median | Difference |
|---|---|---|
| Annualized net charge-off rate | ||
| 5.95% | 0.02% | +593 bps |
| 12-month change | ||
| +102 bps | 0 bps | +102 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: 629 banks with $1 billion to $3 billion in assets that filed FDIC data for the same quarter. Capital Community Bank itself is left out of every peer median and percentile. How signals work
Return on assets rising faster than peersStrength: Earnings 2nd quarter5.46%peers 1.26%+420 bps
Capital Community Bank's annualized return on assets rose 98 bps over the past year to 5.46%. Among 628 similar banks, the median rose 14 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Annualized return on assets | ||
| 5.46% | 1.26% | +420 bps |
| 12-month change | ||
| +98 bps | +14 bps | +83 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: 629 banks with $1 billion to $3 billion in assets that filed FDIC data for the same quarter. Capital Community Bank itself is left out of every peer median and percentile. How signals work
Loans growing faster than peersStrength: Lending 2nd quarter+31.3%peers +5.7%+25.6 pp
Capital Community Bank's loans grew 31.3% over the past year to $1.3 billion. The median among 624 similar banks was +5.7%.
| This institution | Peer median | Difference |
|---|---|---|
| Loans, 12-month growth | ||
| +31.3% | +5.7% | +25.6 pp |
| Loans | ||
| $1.3 billion | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 629 banks with $1 billion to $3 billion in assets that filed FDIC data for the same quarter. Capital Community Bank itself is left out of every peer median and percentile. How signals work
Reliance on CDs rising while the peer median fallsWorth a look: Funding38.5%peers 26.3%+12.2 pp
Capital Community Bank's time deposits' share of deposits rose 5.2 percentage points over the past year to 38.5%. Among 625 similar banks, the median fell 0.7 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Time deposits' share of deposits | ||
| 38.5% | 26.3% | +12.2 pp |
| 12-month change | ||
| +5.2 pp | -0.7 pp | +6.0 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: 629 banks with $1 billion to $3 billion in assets that filed FDIC data for the same quarter. Capital Community Bank itself is left out of every peer median and percentile. How signals work
Total assets growing faster than peersStrength: Growth 2nd quarter+30.1%peers +5.3%+24.8 pp
Capital Community Bank's total assets grew 30.1% over the past year to $1.6 billion. The median among 629 similar banks was +5.3%.
| This institution | Peer median | Difference |
|---|---|---|
| Total assets, 12-month growth | ||
| +30.1% | +5.3% | +24.8 pp |
| Total assets | ||
| $1.6 billion | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 629 banks with $1 billion to $3 billion in assets that filed FDIC data for the same quarter. Capital Community Bank itself is left out of every peer median and percentile. How signals work
3 more observations
- Fee and other noninterest income among the highest of similar banksEarnings
- Deposits growing faster than peersFunding
- Deposit costs among the highest of similar banksFunding
Key facts
- Capital Community Bank is a bank headquartered in Provo, Utah. It reported $1.6 billion in total assets for the quarter ended June 30, 2026.
- Deposits totaled $1.3 billion, up 30.4% from a year earlier, and loans totaled $1.3 billion, up 31.3%.
- Its net interest margin was 16.78% and its annualized return on assets was 5.46% for the quarter.
- Its cost of all deposits was 3.08%, compared with a median of 1.93% among 625 similar banks with $1 billion to $3 billion 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 Community Bank's own data, FORFI would look at: Which borrowers and segments are migrating toward delinquency, before losses arrive.
Analysis workspaces
Sources and identifiers
- Institution
- Capital Community Bank · Bank
- Federal Reserve RSSD
- 2068107
- FDIC certificate
- 33823
- Reporting period
- Peer group
- 629 banks with $1 billion to $3 billion in assets that filed FDIC data for the same quarter. Capital Community Bank 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 |
|---|---|---|
| $20.85M | — | |
| $69.99M | — | |
| $10.52M | — | |
| $59.47M | — | |
| $9.6M | — | |
| $23.22M | — | |
| $18.5M | — | |
| $18.73M | — | |
| 5.46% | 5.45%ROAQ · Quarter | |
| 16.78% | 16.73%NIMYQ · Quarter | |
| 33.61% | 33.61%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.