TellerScore

Capital Bank is a state-chartered bank headquartered in Jacinto City, Texas, in business for about 61 years. At the end of Q2 2026 it reported $689.7M in total assets and $608.7M in deposits, with 9 offices.

Capital Bank has a TellerScore of 77 out of 100 (strong) based on Q2 2026 data — higher than 68% of its 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 130th. Loan quality contributes the most (100/100, 0.01%); funding & liquidity contributes the least (47/100, 96% loans-to-deposits, 31% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion58/100
Tier 1 leverage ratio: 10.81%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.01%
Earnings88/100
Return on assets (annualized): 1.71%
Funding & liquidity47/100
Loans ÷ deposits and uninsured-deposit share: 96.1% · 31.0% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.06%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 5 points (72 → 77), mostly because the earnings component improved by 17 points.

TellerScore
707477Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202470
Q3 202471
Q4 202472
Q1 202572
Q2 202572
Q3 202573
Q4 202573
Q1 202673
Q2 202677
Tier 1 leverage ratio
5.00%7.91%10.81%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.12%
Q3 202410.37%
Q4 202410.25%
Q1 202510.34%
Q2 202510.21%
Q3 202510.40%
Q4 202510.41%
Q1 202610.80%
Q2 202610.81%
Noncurrent loans
0.00%0.16%0.33%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.01%
Q4 20240.01%
Q1 20250.01%
Q2 20250.00%
Q3 20250.02%
Q4 20250.00%
Q1 20260.33%
Q2 20260.01%
Return on assets
1.03%1.37%1.71%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.03%
Q3 20241.09%
Q4 20241.17%
Q1 20251.24%
Q2 20251.27%
Q3 20251.36%
Q4 20251.42%
Q1 20261.60%
Q2 20261.71%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202677$689.7M10.81%0.01%1.71%96.1%
Q1 202673$694.3M10.80%0.33%1.60%94.1%
Q4 202573$673.4M10.41%0.00%1.42%96.8%
Q3 202573$674.1M10.40%0.02%1.36%96.3%
Q2 202572$665.9M10.21%0.00%1.27%93.0%
Q1 202572$642.8M10.34%0.01%1.24%93.2%
Q4 202472$636.8M10.25%0.01%1.17%93.4%
Q3 202471$618.2M10.37%0.01%1.09%94.8%
Q2 202470$620.2M10.12%0.00%1.03%96.0%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.81%
47th
Total risk-based capital14.36%
64th
Problem loans0.01%
86th
Net charge-offs0.11%
19th
Return on assets1.71%
76th
Net interest margin5.09%
93rd
Efficiency ratio56.0%
69th
Loans to deposits96.1%
15th
Uninsured deposits31.0%
25th
Loan-loss reserves1.15%
45th
Texas ratio0.1%
87th

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
First State Bank of LivingstonBank Livingston, TX71 out of 100, Strong$689.3M15.5%1.93%vs
Citizens National BankBank Cameron, TX86 out of 100, Very strong$691.8M12.7%0.00%vs
Southwest BankBank Odessa, TX76 out of 100, Strong$693.7M11.3%0.34%vs
First BankBank Burkburnett, TX81 out of 100, Strong$703.6M13.9%0.80%vs
TXN BankBank Hondo, TX64 out of 100, Moderate$669.2M9.7%0.98%vs
Pilgrim BankBank Pittsburg, TX68 out of 100, Moderate$714.6M10.2%0.15%vs

Deposit insurance

Is my money safe at Capital Bank?

Yes. Capital Bank is an FDIC-insured institution (FDIC certificate #19401). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 31.0% of deposits ($188.5M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.81%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.36% (benchmark: 10%).

Check how much of your own balance is covered

9 locations

Branches

Capital Bank lists 9 offices in 8 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Capital Bank reported 70 home-loan applications under HMDA (LEI 549300E2M76Y41U4FC19): 57 originated ($27,645,000 total), 13 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 18.6%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Capital Bank
Former names
Jacinto City Bank
Type
State-chartered bank
FDIC certificate #
19401
RSSD ID
596156
Primary regulator
FDIC
Holding company
Jsa Family Ltd Partnership
Established
April 10, 1965
Headquarters
10304 East Fwy, Jacinto City, TX 77029
Employees
101

Quick answers

Capital Bank: common questions

Is Capital Bank FDIC insured?

Yes. Capital Bank is an FDIC-insured institution (FDIC certificate #19401). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Capital Bank's TellerScore?

77 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Capital Bank ever failed?

There is no failure record for FDIC certificate #19401 in the FDIC failed bank list.

How many branches does Capital Bank have?

9 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Jacinto City

InstitutionScoreAssetsCapitalProblem loansCompare
Local 24 Employees Federal Credit UnionCredit union Pasadena, TX98 out of 100, Very strong$13.6M21.0%0.26%vs
Port of Houston Warehouse Federal Credit UnionCredit union Houston, TX96 out of 100, Very strong$5.4M21.6%0.52%vs
Corpus Christi Postal Employees Credit UnionCredit union Corpus Christi, TX96 out of 100, Very strong$17.1M20.3%0.00%vs
Schlumberger Employees Credit UnionCredit union Sugar Land, TX94 out of 100, Very strong$935.8M25.3%0.57%vs
Ila 1351 Federal Credit UnionCredit union La Porte, TX92 out of 100, Very strong$17.3M17.0%0.00%vs
City of Deer Park Federal Credit UnionCredit union Deer Park, TX92 out of 100, Very strong$7.3M21.7%0.01%vs