Capital Bank and Trust Company
Total assets
$266.1M
▲ +38.3% YoY
Deposits
$500K
▲ 0.0% YoY
Loans
$0
Offices
2
ROA (annualized)
81.14%
peers 1.24%
ROE (annualized)
114.52%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +38.3% | +4.4% | +34.0 pts |
| Deposit growth (YoY) | 0.0% | +4.0% | -4.0 pts |
| Loan growth (YoY) | — | +5.6% | — |
| ROA | 81.14% | 1.24% | +79.9 pts |
| ROE | 114.5% | 11.9% | +102.7 pts |
ROA ranks in the 100th percentile of its peer group · Q2 2026
Profile
- Established
- 2000
- Charter
- OCC
- Primary regulator
- OCC
- Specialization
- Other Specialized Under 1 Billion
- Address
- 6455 Irvine Center Dr, Irvine, CA, 92618
- County
- Orange
- Metro area
- Los Angeles-Long Beach-Anaheim, CA
- Offices
- 2
- FDIC cert #
- 35164
- RSSD ID
- 2921659
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $266.1M | $500K | $0 | $208.5M | $92.5M | 81.14% | 3.53% | 0.00% |
| Q1 2026 | $226.4M | $500K | $0 | $159.0M | $42.5M | 81.43% | 3.44% | 0.00% |
| Q4 2025 | $191.4M | $500K | $0 | $117.0M | $130.3M | 70.45% | 3.46% | 0.00% |
| Q3 2025 | $223.6M | $500K | $0 | $172.9M | $89.5M | 65.03% | 3.23% | 0.00% |
| Q2 2025 | $192.3M | $500K | $0 | $139.5M | $56.4M | 66.31% | 3.30% | 0.00% |
| Q1 2025 | $169.6M | $500K | $0 | $110.4M | $27.6M | 69.52% | 3.55% | 0.00% |
| Q4 2024 | $148.2M | $500K | $0 | $81.8M | $87.3M | 52.31% | 3.19% | 0.00% |
| Q3 2024 | $194.6M | $500K | $0 | $154.2M | $62.0M | 48.15% | 3.00% | 0.00% |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $0 · securities $131.5M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 81.14% | 1.24% | 100th | |
Return on equity Annualized net income ÷ equity or net worth | 114.5% | 11.9% | 100th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.53% | 3.96% | 28th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.1% | 62.9% | 39th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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