Capital Bank and Trust Company is a savings bank headquartered in Irvine, California, in business for about 26 years. At the end of Q2 2026 it reported $266.1M in total assets and $500K in deposits, with 2 offices.
Capital Bank and Trust Company has a TellerScore of 94 out of 100 (very strong) based on Q2 2026 data — higher than 98% of its 2,650 banks with $100 million – $1 billion. Among 116 banks headquartered in California, it ranks 3rd. Capital cushion contributes the most (100/100, 79.26%); funding & liquidity contributes the least (61/100, 0% loans-to-deposits, 50% uninsured).
TellerScore · Q2 2026
Scorecard
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
The score has been essentially flat from Q2 2025 to Q2 2026 (94 → 94).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 94 |
| Q3 2024 | 94 |
| Q4 2024 | 94 |
| Q1 2025 | 94 |
| Q2 2025 | 94 |
| Q3 2025 | 94 |
| Q4 2025 | 94 |
| Q1 2026 | 94 |
| Q2 2026 | 94 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 73.49% |
| Q3 2024 | 80.96% |
| Q4 2024 | 39.79% |
| Q1 2025 | 66.19% |
| Q2 2025 | 72.81% |
| Q3 2025 | 78.15% |
| Q4 2025 | 49.50% |
| Q1 2026 | 69.79% |
| Q2 2026 | 79.26% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 47.45% |
| Q3 2024 | 48.15% |
| Q4 2024 | 52.31% |
| Q1 2025 | 69.52% |
| Q2 2025 | 66.31% |
| Q3 2025 | 65.03% |
| Q4 2025 | 70.45% |
| Q1 2026 | 81.43% |
| Q2 2026 | 81.14% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 94 | $266.1M | 79.26% | 0.00% | 81.14% | 0.0% |
| Q1 2026 | 94 | $226.4M | 69.79% | 0.00% | 81.43% | 0.0% |
| Q4 2025 | 94 | $191.4M | 49.50% | 0.00% | 70.45% | 0.0% |
| Q3 2025 | 94 | $223.6M | 78.15% | 0.00% | 65.03% | 0.0% |
| Q2 2025 | 94 | $192.3M | 72.81% | 0.00% | 66.31% | 0.0% |
| Q1 2025 | 94 | $169.6M | 66.19% | 0.00% | 69.52% | 0.0% |
| Q4 2024 | 94 | $148.2M | 39.79% | 0.00% | 52.31% | 0.0% |
| Q3 2024 | 94 | $194.6M | 80.96% | 0.00% | 48.15% | 0.0% |
| Q2 2024 | 94 | $174.4M | 73.49% | 0.00% | 47.45% | 0.0% |
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).
Similar-size banks in California
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Summit BankBank Oakland, CA | 57 out of 100, Moderate | $264.4M | 16.4% | 1.48% | vs |
| Mission National BankBank San Francisco, CA | 74 out of 100, Strong | $276.4M | 13.9% | 0.00% | vs |
| Home Bank of CaliforniaBank San Diego, CA | 84 out of 100, Strong | $255.4M | 12.3% | 0.00% | vs |
| Gateway Bank, F.S.B.Bank Oakland, CA | 49 out of 100, Below average | $288.2M | 13.8% | 2.15% | vs |
| Monterey County BankBank Monterey, CA | 54 out of 100, Below average | $300.4M | 8.4% | 0.24% | vs |
| Metropolitan BankBank Oakland, CA | 75 out of 100, Strong | $230.2M | 13.1% | 0.00% | vs |
Deposit insurance
Is my money safe at Capital Bank and Trust Company?
Yes. Capital Bank and Trust Company is an FDIC-insured institution (FDIC certificate #35164). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 50.0% of deposits ($250K) 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 79.26%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 202.30% (benchmark: 10%).
2 locations
Branches
Capital Bank and Trust Company lists 1 office in 1 city. Most locations:
- Irvine, CA (1)
Identity & history
Profile
- Legal name
- Capital Bank and Trust Company
- Type
- Savings bank
- FDIC certificate #
- 35164
- RSSD ID
- 2921659
- Primary regulator
- OCC
- Established
- July 1, 2000
- Headquarters
- 6455 Irvine Center Dr, Irvine, CA 92618
- Website
- www.americanfunds.com
- Employees
- 121
Quick answers
Capital Bank and Trust Company: common questions
Is Capital Bank and Trust Company FDIC insured?
Yes. Capital Bank and Trust Company is an FDIC-insured institution (FDIC certificate #35164). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Capital Bank and Trust Company's TellerScore?
94 out of 100 (Very 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 and Trust Company ever failed?
There is no failure record for FDIC certificate #35164 in the FDIC failed bank list.
How many branches does Capital Bank and Trust Company have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Irvine
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA | 92 out of 100, Very strong | $1.7B | 15.5% | 0.60% | vs |
| Long Beach Firemen S Credit UnionCredit union Long Beach, CA | 91 out of 100, Very strong | $201.5M | 29.4% | 0.02% | vs |
| Santa Ana Federal Credit UnionCredit union Santa Ana, CA | 90 out of 100, Very strong | $111.6M | 13.5% | 0.06% | vs |
| California International Bank, N.A.Bank Westminster, CA | 89 out of 100, Very strong | $120.9M | 13.5% | 0.00% | vs |
| Certified Federal Credit UnionCredit union El Monte, CA | 88 out of 100, Very strong | $925.3M | 20.7% | 0.37% | vs |
| Comunidad Latina Federal Credit UnionCredit union Santa Ana, CA | 87 out of 100, Very strong | $11.0M | 26.2% | 0.99% | vs |