Capital Bank Annual Report

We maintain the complete database with all recent information about Capital Bank that you may need. With the help of the annual report, you can know the financial health of the bank, see how large it is, and track the dynamics and last trends of all financial indicators. All Capital Bank data is relevant for May 2026.

3.82

Address

One Church Street Rockville, MD 20850

FDIC Certificate ID

35278

Bank Charter Class

National Bank

Financial report Capital Bank

Quarterly

Annually

Change dates

December 31, 2025
September 30, 2025
June 30, 2025
March 31, 2025
December 31, 2024
September 30, 2024
June 30, 2024
March 31, 2024
December 31, 2023
September 30, 2023
June 30, 2023
March 31, 2023
December 31, 2022
September 30, 2022
June 30, 2022
March 31, 2022
December 31, 2021
September 30, 2021
June 30, 2021
March 31, 2021
December 31, 2020
September 30, 2020
June 30, 2020
March 31, 2020
December 31, 2019
September 30, 2019
June 30, 2019
March 31, 2019
December 31, 2018
September 30, 2018
June 30, 2018
March 31, 2018
December 31, 2017
September 30, 2017
June 30, 2017
March 31, 2017
December 31, 2016
September 30, 2016
June 30, 2016
March 31, 2016
December 31, 2015
September 30, 2015
June 30, 2015
March 31, 2015
December 31, 2014
September 30, 2014
June 30, 2014
March 31, 2014
December 31, 2013
September 30, 2013
June 30, 2013
March 31, 2013
December 31, 2012
September 30, 2012
June 30, 2012
March 31, 2012
December 31, 2011
September 30, 2011
June 30, 2011
March 31, 2011
December 31, 2010
September 30, 2010
June 30, 2010
March 31, 2010
December 31, 2009
September 30, 2009
June 30, 2009
March 31, 2009
December 31, 2008
September 30, 2008
June 30, 2008
March 31, 2008
December 31, 2007
September 30, 2007
June 30, 2007
March 31, 2007
December 31, 2006
September 30, 2006
June 30, 2006
March 31, 2006
December 31, 2005
September 30, 2005
June 30, 2005
March 31, 2005
December 31, 2004
September 30, 2004
June 30, 2004
March 31, 2004
December 31, 2003
September 30, 2003
June 30, 2003
March 31, 2003
December 31, 2002
September 30, 2002
June 30, 2002
March 31, 2002
December 31, 2001
September 30, 2001
June 30, 2001
March 31, 2001
December 31, 2000
September 30, 2000
June 30, 2000
March 31, 2000
December 31, 1999

December 31, 2025
September 30, 2025
June 30, 2025
March 31, 2025
December 31, 2024
September 30, 2024
June 30, 2024
March 31, 2024
December 31, 2023
September 30, 2023
June 30, 2023
March 31, 2023
December 31, 2022
September 30, 2022
June 30, 2022
March 31, 2022
December 31, 2021
September 30, 2021
June 30, 2021
March 31, 2021
December 31, 2020
September 30, 2020
June 30, 2020
March 31, 2020
December 31, 2019
September 30, 2019
June 30, 2019
March 31, 2019
December 31, 2018
September 30, 2018
June 30, 2018
March 31, 2018
December 31, 2017
September 30, 2017
June 30, 2017
March 31, 2017
December 31, 2016
September 30, 2016
June 30, 2016
March 31, 2016
December 31, 2015
September 30, 2015
June 30, 2015
March 31, 2015
December 31, 2014
September 30, 2014
June 30, 2014
March 31, 2014
December 31, 2013
September 30, 2013
June 30, 2013
March 31, 2013
December 31, 2012
September 30, 2012
June 30, 2012
March 31, 2012
December 31, 2011
September 30, 2011
June 30, 2011
March 31, 2011
December 31, 2010
September 30, 2010
June 30, 2010
March 31, 2010
December 31, 2009
September 30, 2009
June 30, 2009
March 31, 2009
December 31, 2008
September 30, 2008
June 30, 2008
March 31, 2008
December 31, 2007
September 30, 2007
June 30, 2007
March 31, 2007
December 31, 2006
September 30, 2006
June 30, 2006
March 31, 2006
December 31, 2005
September 30, 2005
June 30, 2005
March 31, 2005
December 31, 2004
September 30, 2004
June 30, 2004
March 31, 2004
December 31, 2003
September 30, 2003
June 30, 2003
March 31, 2003
December 31, 2002
September 30, 2002
June 30, 2002
March 31, 2002
December 31, 2001
September 30, 2001
June 30, 2001
March 31, 2001
December 31, 2000
September 30, 2000
June 30, 2000
March 31, 2000
December 31, 1999

December 31, 2025
September 30, 2025
June 30, 2025
March 31, 2025
December 31, 2024
September 30, 2024
June 30, 2024
March 31, 2024
December 31, 2023
September 30, 2023
June 30, 2023
March 31, 2023
December 31, 2022
September 30, 2022
June 30, 2022
March 31, 2022
December 31, 2021
September 30, 2021
June 30, 2021
March 31, 2021
December 31, 2020
September 30, 2020
June 30, 2020
March 31, 2020
December 31, 2019
September 30, 2019
June 30, 2019
March 31, 2019
December 31, 2018
September 30, 2018
June 30, 2018
March 31, 2018
December 31, 2017
September 30, 2017
June 30, 2017
March 31, 2017
December 31, 2016
September 30, 2016
June 30, 2016
March 31, 2016
December 31, 2015
September 30, 2015
June 30, 2015
March 31, 2015
December 31, 2014
September 30, 2014
June 30, 2014
March 31, 2014
December 31, 2013
September 30, 2013
June 30, 2013
March 31, 2013
December 31, 2012
September 30, 2012
June 30, 2012
March 31, 2012
December 31, 2011
September 30, 2011
June 30, 2011
March 31, 2011
December 31, 2010
September 30, 2010
June 30, 2010
March 31, 2010
December 31, 2009
September 30, 2009
June 30, 2009
March 31, 2009
December 31, 2008
September 30, 2008
June 30, 2008
March 31, 2008
December 31, 2007
September 30, 2007
June 30, 2007
March 31, 2007
December 31, 2006
September 30, 2006
June 30, 2006
March 31, 2006
December 31, 2005
September 30, 2005
June 30, 2005
March 31, 2005
December 31, 2004
September 30, 2004
June 30, 2004
March 31, 2004
December 31, 2003
September 30, 2003
June 30, 2003
March 31, 2003
December 31, 2002
September 30, 2002
June 30, 2002
March 31, 2002
December 31, 2001
September 30, 2001
June 30, 2001
March 31, 2001
December 31, 2000
September 30, 2000
June 30, 2000
March 31, 2000
December 31, 1999

December 31, 2025
September 30, 2025
June 30, 2025
March 31, 2025
December 31, 2024
September 30, 2024
June 30, 2024
March 31, 2024
December 31, 2023
September 30, 2023
June 30, 2023
March 31, 2023
December 31, 2022
September 30, 2022
June 30, 2022
March 31, 2022
December 31, 2021
September 30, 2021
June 30, 2021
March 31, 2021
December 31, 2020
September 30, 2020
June 30, 2020
March 31, 2020
December 31, 2019
September 30, 2019
June 30, 2019
March 31, 2019
December 31, 2018
September 30, 2018
June 30, 2018
March 31, 2018
December 31, 2017
September 30, 2017
June 30, 2017
March 31, 2017
December 31, 2016
September 30, 2016
June 30, 2016
March 31, 2016
December 31, 2015
September 30, 2015
June 30, 2015
March 31, 2015
December 31, 2014
September 30, 2014
June 30, 2014
March 31, 2014
December 31, 2013
September 30, 2013
June 30, 2013
March 31, 2013
December 31, 2012
September 30, 2012
June 30, 2012
March 31, 2012
December 31, 2011
September 30, 2011
June 30, 2011
March 31, 2011
December 31, 2010
September 30, 2010
June 30, 2010
March 31, 2010
December 31, 2009
September 30, 2009
June 30, 2009
March 31, 2009
December 31, 2008
September 30, 2008
June 30, 2008
March 31, 2008
December 31, 2007
September 30, 2007
June 30, 2007
March 31, 2007
December 31, 2006
September 30, 2006
June 30, 2006
March 31, 2006
December 31, 2005
September 30, 2005
June 30, 2005
March 31, 2005
December 31, 2004
September 30, 2004
June 30, 2004
March 31, 2004
December 31, 2003
September 30, 2003
June 30, 2003
March 31, 2003
December 31, 2002
September 30, 2002
June 30, 2002
March 31, 2002
December 31, 2001
September 30, 2001
June 30, 2001
March 31, 2001
December 31, 2000
September 30, 2000
June 30, 2000
March 31, 2000
December 31, 1999

December 31, 2025
September 30, 2025
June 30, 2025
March 31, 2025
December 31, 2024
September 30, 2024
June 30, 2024
March 31, 2024
December 31, 2023
September 30, 2023
June 30, 2023
March 31, 2023
December 31, 2022
September 30, 2022
June 30, 2022
March 31, 2022
December 31, 2021
September 30, 2021
June 30, 2021
March 31, 2021
December 31, 2020
September 30, 2020
June 30, 2020
March 31, 2020
December 31, 2019
September 30, 2019
June 30, 2019
March 31, 2019
December 31, 2018
September 30, 2018
June 30, 2018
March 31, 2018
December 31, 2017
September 30, 2017
June 30, 2017
March 31, 2017
December 31, 2016
September 30, 2016
June 30, 2016
March 31, 2016
December 31, 2015
September 30, 2015
June 30, 2015
March 31, 2015
December 31, 2014
September 30, 2014
June 30, 2014
March 31, 2014
December 31, 2013
September 30, 2013
June 30, 2013
March 31, 2013
December 31, 2012
September 30, 2012
June 30, 2012
March 31, 2012
December 31, 2011
September 30, 2011
June 30, 2011
March 31, 2011
December 31, 2010
September 30, 2010
June 30, 2010
March 31, 2010
December 31, 2009
September 30, 2009
June 30, 2009
March 31, 2009
December 31, 2008
September 30, 2008
June 30, 2008
March 31, 2008
December 31, 2007
September 30, 2007
June 30, 2007
March 31, 2007
December 31, 2006
September 30, 2006
June 30, 2006
March 31, 2006
December 31, 2005
September 30, 2005
June 30, 2005
March 31, 2005
December 31, 2004
September 30, 2004
June 30, 2004
March 31, 2004
December 31, 2003
September 30, 2003
June 30, 2003
March 31, 2003
December 31, 2002
September 30, 2002
June 30, 2002
March 31, 2002
December 31, 2001
September 30, 2001
June 30, 2001
March 31, 2001
December 31, 2000
September 30, 2000
June 30, 2000
March 31, 2000
December 31, 1999

2025
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2018
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2025
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2018
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Hide dates

All values USD, Dollar figures in thousands

Updated December 31, 2025

Item

2025

2024

2023

2022

2021

Trends

Assets and Liabilities

Total assets

3,547,608

3,141,986

2,176,502

2,069,955

2,014,131

Cash & Balances due from depository institutions

257,694

207,622

53,907

80,362

183,342

Cash items in process of collection

28,351

22,337

13,129

18,051

17,036

Collection in domestic offices

7,813

7,826

6,122

7,877

7,783

Currency and coin in domestic offices

20,538

14,511

7,007

10,174

9,253

Balances due from depository institutions in U.S.

7,039

6,474

1,935

22,747

29,682

Balances due from foreign banks

N/A

Balances due from FRB

222,304

178,811

38,844

39,564

136,624

Total securities *

230,083

223,630

208,329

252,481

184,700

U.S. Government securities

211,008

207,562

191,519

236,398

164,942

U.S. Treasury securities

137,236

126,835

149,227

199,449

131,001

U.S. Government agency obligations

73,772

80,727

42,292

36,949

33,941

Securities issued by states & political subdivisions

13,897

9,283

9,372

8,012

10,474

Other domestic debt securities

5,178

6,785

7,438

8,071

9,039

Privately issued residential mortgage-backed securities

N/A

Asset backed securities

1,332

1,519

1,891

1,916

1,990

Structured financial products - Total

N/A

Other domestic debt securities - All other

3,404

4,711

4,413

4,600

4,934

Foreign debt securities

N/A

Equity securities not held for trading

N/A

245

Equity securities available-for-sale

N/A

Credit Loss Allowance for Held to Maturity Debt Securities

N/A

Assets held in trading accounts for TFR Reporters

N/A

General valuation allowances for securities for TFR Reporters

N/A

Federal funds sold and reverse repurchase

Net loans and leases

2,887,596

2,556,305

1,836,060

1,659,776

1,583,097

Loan and leases loss allowance**

53,982

47,992

28,010

25,906

24,702

Total loans and leases

2,941,578

2,604,297

1,864,070

1,685,682

1,607,799

Unearned income

N/A

Loans and leases, gross

N/A

1,607,799

All real estate loans

2,061,517

1,897,565

1,495,796

1,341,247

1,188,435

Real estate loans in domestic offices

2,061,517

1,897,565

1,495,796

1,341,247

1,188,435

Construction and development loans

350,727

311,016

268,553

211,131

235,540

Residential 1-4 family construction

202,869

218,221

187,485

180,529

185,598

Other construction, all land development and other land

147,858

92,795

81,068

30,602

49,942

Secured by nonfarm nonresidential properties

924,718

883,330

649,480

642,601

539,849

Nonfarm nonresidential secured by owner-occupied properties

415,995

437,311

307,633

378,198

302,560

Commercial real estate other non-farm non-residential

508,723

446,019

341,847

264,403

237,289

Multifamily residential real estate

202,558

175,875

149,425

117,330

72,351

1-4 family residential loans

582,772

526,515

428,338

370,185

340,695

Farmland loans

742

829

N/A

Loans held in foreign offices

N/A

Farm loans

2,140

1,475

N/A

Commercial and industrial loans

696,714

551,630

239,777

223,061

284,620

Loans to individuals

139,413

124,447

117,112

121,192

134,510

Credit card loans

137,905

122,928

116,453

120,185

133,702

Related Plans

N/A

Consumer Loans - Auto

139

248

348

177

Other loans to individuals

1,444

1,380

411

593

549

All other loans & leases*

41,794

29,165

11,384

182

234

Loans to foreign governments and official institutions

N/A

Obligations of states and political subdivisions in U.S.

N/A

Other loans

N/A

234

Lease financing receivables

N/A

Loans to depository institutions and acceptances of other banks

N/A

Trading account assets

N/A

Bank premises and fixed assets

12,293

14,351

5,069

3,382

3,255

Other real estate owned

3,856

N/A

Direct and indirect investments in real estate

N/A

OREO: Real estate acquired

3,856

N/A

Other real estate owned: 1-4 family residential

N/A

Other Real Estate Owned: Multi-family residential

N/A

Other real estate owned: Commercial real estate

2,135

N/A

Other real estate owned:Construction & development

1,721

N/A

Other real estate owned: Farmland

N/A

Foreclosed properties from GNMA loans before June 2018

N/A

Other real estate owned in foreign offices

N/A

Goodwill and other intangibles

25,789

24,861

N/A

Goodwill

22,448

17,605

N/A

Mortgage servicing assets

527

1,455

N/A

All other assets

N/A

59,598

Liabilities and Capital

Total liabilities and capital

3,547,608

3,141,986

2,176,502

2,069,955

2,014,131

Total Liabilities

3,212,848

2,849,800

1,960,804

1,886,860

1,845,823

Total deposits

3,105,079

2,774,613

1,900,230

1,758,365

1,798,124

Deposits held in domestic offices

3,105,079

2,774,613

1,900,230

1,758,365

1,798,124

Individuals, partnerships, and corporations

N/A

1,736,181

U.S. Government

N/A

States and political subdivisions in the U.S.

N/A

55,741

Commercial banks and other depository institutions in U.S.

N/A

6,201

Banks in foreign countries

N/A

Foreign governments and official institutions

N/A

Deposits held in foreign offices

N/A

Deposits held in domestic offices

3,105,079

2,774,613

1,900,230

1,758,365

1,798,124

Transaction accounts

958,665

896,127

647,057

695,031

890,030

Nontransaction accounts

2,146,414

1,878,486

1,253,173

1,063,334

908,094

Money market deposit accounts (MMDAs)

1,105,184

816,708

663,129

574,978

493,919

Other savings deposits (excluding MMDAs)

174,862

179,843

179,069

194,942

236,525

Total time deposits

866,368

881,935

410,975

293,415

177,650

Federal funds purchased and repurchase agreements

N/A

Trading liabilities

N/A

N/A - idobrmtg

N/A

22,000

Subordinated debt

N/A

All other liabilities

N/A

25,699

Total equity capital

334,760

292,186

215,698

183,095

168,308

Bank equity capital

334,760

292,186

215,698

183,095

168,308

Perpetual preferred stock

N/A

Common stock

3,350

Surplus

121,585

120,029

56,238

54,480

52,817

Undivided profits

209,825

168,807

156,110

125,265

112,141

Equity, minor interest in consolidated subs

N/A

Memoranda

Noncurrent loans and leases

57,260

31,100

16,499

9,680

11,179

Income earned, not collected on loans

14,811

15,168

9,677

7,973

6,899

Earning assets

3,342,350

2,959,833

2,083,840

1,972,709

1,908,278

Long-term assets (5+ years)

683,552

557,644

549,045

585,127

436,461

Average total assets

3,325,951.4

2,496,807

2,167,304.2

2,046,269.8

2,033,545.8

Average assets, quarterly

3,437,815

2,820,983.5

2,200,425

2,014,755

2,071,491.5

Total risk weighted assets adjusted

2,787,983

2,443,107

1,687,515

1,542,898

1,351,624

Adjusted average assets for leverage capital purposes

3,421,460

3,073,615

2,176,708

2,110,411

2,026,760

Life insurance assets

45,488

43,956

37,711

36,524

35,506

General account life insurance assets

45,488

43,956

37,711

36,524

35,506

Separate account life insurance assets

N/A

Hybrid life insurance assets

N/A

Volatile liabilities

214,556

264,090

139,747

181,291

107,827

Insider loans

34,325

32,928

36,287

39,986

44,790

FHLB advances

50,000

22,000

107,000

22,000

Loans and leases held for sale

25,828

21,270

7,481

7,416

15,989

Unused loan commitments

456,091

458,618

336,472

345,063

361,771

Tier one (core) capital

316,082

281,825

228,794

199,847

169,384

Tier 2 Risk-based capital

35,103

30,769

21,189

19,389

17,013

Total unused commitments

456,091

458,618

336,472

345,063

361,771

Derivatives

34,484

18,648

N/A

1,750

22,500