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.

From Q2 2025 to Q2 2026, the score rose 9 points (70 → 79), mostly because the capital cushion component improved by 18 points.

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 Wisconsin

Yes. Capitol Bank is an FDIC-insured institution (FDIC certificate #34074). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 27.1% of deposits ($128.4M) 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 12.42%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 17.01% (benchmark: 10%).

Check how much of your own balance is covered

Capitol Bank lists 3 offices in 2 cities. Most locations:

• Madison, WI (2)
• Verona, WI (1)

All branch addresses and map

In 2025, Capitol Bank reported 93 home-loan applications under HMDA (LEI 2549006SBIS8ROWE8X84): 72 originated ($34,360,000 total), 1 denied, and 16 withdrawn or closed by the applicant. Its denial rate on decided applications was 1.3%, 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.

Legal name

Capitol Bank

Type

State-chartered bank

FDIC certificate #

34074

RSSD ID

2339599

Primary regulator

FDIC

Holding company

Capitol Bankshares Inc

Established

October 9, 1995

Headquarters

710 N High Point Rd, Madison, WI 53717

Website

capitol.bank

Employees

56