Capitol National Bank
Lansing, MI·RSSD 285544·FDIC 24199·bank:285544·CBLR opted in
- #53 of 74Total assets in Michigan
- 2offices
- 32employees
- #3 of 65Net interest margin in Michigan
- Top 5%Loan growth 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 Capitol National Bank
5 of 24 FORFI signals stand out against 1223 similar banks, based on FDIC data for the quarter.
Lending absorbing more of the deposit base as cash fallsWorth a look: Liquidity 2nd quarter105.1%+16.9 pp in 12 months
Capitol National Bank's loans rose to 105.1% of deposits, 16.9 percentage points higher than a year earlier, while cash fell to 15.6% of assets. The median change in the loan-to-deposit ratio among 1212 similar banks was +0.6 pp.
| Observed | Change |
|---|---|
| Loans / deposits | |
| 105.1% | +16.9 pp in 12 months |
| Cash / assets | |
| 15.6% | -8.1 pp in 12 months |
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. Capitol National Bank itself is left out of every peer median and percentile. How signals work
Borrowed funding rising while the peer median holds steadyWorth a look: Funding4.8%peers 0.0%+4.8 pp
Capitol National Bank's borrowings as a share of assets rose 4.8 percentage points over the past year to 4.8%. Among 1222 similar banks, the median was essentially unchanged.
| This institution | Peer median | Difference |
|---|---|---|
| Borrowings as a share of assets | ||
| 4.8% | 0.0% | +4.8 pp |
| 12-month change | ||
| +4.8 pp | 0.0 pp | +4.8 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. Capitol National Bank itself is left out of every peer median and percentile. How signals work
Loans growing faster than peersStrength: Lending+25.0%peers +5.3%+19.7 pp
Capitol National Bank's loans grew 25.0% over the past year to $170 million. The median among 1206 similar banks was +5.3%.
| This institution | Peer median | Difference |
|---|---|---|
| Loans, 12-month growth | ||
| +25.0% | +5.3% | +19.7 pp |
| Loans | ||
| $170 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. Capitol National Bank itself is left out of every peer median and percentile. How signals work
Net interest margin narrowing while the peer median widensWorth a look: Earnings 2nd quarter5.29%peers 4.03%+126 bps
Capitol National Bank's net interest margin fell 43 bps over the past year to 5.29%. Among 1221 similar banks, the median rose 18 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Net interest margin | ||
| 5.29% | 4.03% | +126 bps |
| 12-month change | ||
| -43 bps | +18 bps | -61 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. Capitol National Bank itself is left out of every peer median and percentile. How signals work
Problem loans rising while the peer median holds steadyWorth a look: Asset quality1.49%peers 0.38%+111 bps
Capitol National Bank's noncurrent loans (nonaccrual plus 90+ days past due) as a share of loans rose 148 bps over the past year to 1.49%. Among 1206 similar banks, the median was essentially unchanged.
| This institution | Peer median | Difference |
|---|---|---|
| Noncurrent loans (nonaccrual plus 90+ days past due) as a share of loans | ||
| 1.49% | 0.38% | +111 bps |
| 12-month change | ||
| +148 bps | 0 bps | +148 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. Capitol National Bank itself is left out of every peer median and percentile. How signals work
Key facts
- Capitol National Bank is a bank headquartered in Lansing, Michigan. It reported $209 million in total assets for the quarter ended June 30, 2026.
- Deposits totaled $162 million, up 4.9% from a year earlier, and loans totaled $170 million, up 25.0%.
- Its net interest margin was 5.29% and its annualized return on assets was 1.80% for the quarter.
- Its cost of all deposits was 1.21%, 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 Capitol National Bank's own data, FORFI would look at: Which relationships could bring deposits to fund the loan book.
Analysis workspaces
Sources and identifiers
- Institution
- Capitol National Bank · Bank
- Federal Reserve RSSD
- 285544
- FDIC certificate
- 24199
- Reporting period
- Peer group
- 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Capitol National 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 |
|---|---|---|
| $917K | — | |
| $3.05M | — | |
| $489K | — | |
| $2.56M | — | |
| $143K | — | |
| $1.56M | — | |
| $0 | — | |
| $0 | — | |
| 1.80% | 1.79%ROAQ · Quarter | |
| 5.29% | 5.27%NIMYQ · Quarter | |
| 57.51% | 57.51%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.