Capitol National Bank (FDIC certificate #24199) is based in Lansing, Michigan. Its Q2 2026 call report shows $209.3M in total assets and $162.1M in deposits and 2 offices.
Capitol National Bank has a TellerScore of 75 out of 100 (strong) based on Q2 2026 data — higher than 61% of its 2,650 banks with $100 million – $1 billion. Among 72 banks headquartered in Michigan, it ranks 21st. Capital cushion contributes the most (100/100, 16.74%); funding & liquidity contributes the least (38/100, 103% loans-to-deposits, 33% 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
From Q2 2025 to Q2 2026, the score fell 18 points (93 → 75), mostly because the loan quality component weakened by 50 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 88 |
| Q3 2024 | 87 |
| Q4 2024 | 87 |
| Q1 2025 | 92 |
| Q2 2025 | 93 |
| Q3 2025 | 94 |
| Q4 2025 | 88 |
| Q1 2026 | 85 |
| Q2 2026 | 75 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 13.84% |
| Q3 2024 | 12.84% |
| Q4 2024 | 13.43% |
| Q1 2025 | 15.33% |
| Q2 2025 | 15.79% |
| Q3 2025 | 15.31% |
| Q4 2025 | 15.72% |
| Q1 2026 | 16.17% |
| Q2 2026 | 16.74% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.11% |
| Q3 2024 | 0.06% |
| Q4 2024 | 0.05% |
| Q1 2025 | 0.02% |
| Q2 2025 | 0.01% |
| Q3 2025 | 0.01% |
| Q4 2025 | 0.29% |
| Q1 2026 | 0.51% |
| Q2 2026 | 1.49% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 2.18% |
| Q3 2024 | 2.14% |
| Q4 2024 | 2.15% |
| Q1 2025 | 1.87% |
| Q2 2025 | 1.96% |
| Q3 2025 | 1.98% |
| Q4 2025 | 2.04% |
| Q1 2026 | 1.82% |
| Q2 2026 | 1.79% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 75 | $209.3M | 16.74% | 1.49% | 1.79% | 102.7% |
| Q1 2026 | 85 | $199.9M | 16.17% | 0.51% | 1.82% | 99.6% |
| Q4 2025 | 88 | $212.5M | 15.72% | 0.29% | 2.04% | 99.1% |
| Q3 2025 | 94 | $203.4M | 15.31% | 0.01% | 1.98% | 78.7% |
| Q2 2025 | 93 | $189.2M | 15.79% | 0.01% | 1.96% | 85.6% |
| Q1 2025 | 92 | $187.2M | 15.33% | 0.02% | 1.87% | 87.5% |
| Q4 2024 | 87 | $194.9M | 13.43% | 0.05% | 2.15% | 96.7% |
| Q3 2024 | 87 | $224.5M | 12.84% | 0.06% | 2.14% | 75.0% |
| Q2 2024 | 88 | $192.5M | 13.84% | 0.11% | 2.18% | 87.2% |
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 Michigan
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Northern Interstate Bank, N. A.Bank Norway, MI | 65 out of 100, Moderate | $193.5M | 9.4% | 0.75% | vs |
| Peoples State Bank of MunisingBank Munising, MI | 48 out of 100, Below average | $190.4M | 12.7% | 3.39% | vs |
| The State Savings Bank of ManistiqueBank Manistique, MI | 66 out of 100, Moderate | $178.2M | 9.6% | 0.70% | vs |
| Bank MichiganBank Brooklyn, MI | 62 out of 100, Moderate | $176.0M | 11.3% | 1.03% | vs |
| BaybankBank Gladstone, MI | 56 out of 100, Moderate | $173.4M | 10.7% | 2.02% | vs |
| Mi BankBank Bloomfield Township, MI | 63 out of 100, Moderate | $245.5M | 9.1% | 0.19% | vs |
Deposit insurance
Is my money safe at Capitol National Bank?
Yes. Capitol National Bank is an FDIC-insured institution (FDIC certificate #24199). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 32.8% of deposits ($53.3M) 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 16.74%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
2 locations
Branches
Capitol National Bank lists 2 offices in 2 cities. Most locations:
- Lansing, MI (1)
- Okemos, MI (1)
Identity & history
Profile
- Legal name
- Capitol National Bank
- Type
- National bank
- FDIC certificate #
- 24199
- RSSD ID
- 285544
- Primary regulator
- OCC
- Established
- November 22, 1982
- Headquarters
- 200 N Washington Sq, Lansing, MI 48933
- Website
- www.capitolnational.com
- Employees
- 32
Quick answers
Capitol National Bank: common questions
Is Capitol National Bank FDIC insured?
Yes. Capitol National Bank is an FDIC-insured institution (FDIC certificate #24199). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Capitol National Bank's TellerScore?
75 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 Capitol National Bank ever failed?
There is no failure record for FDIC certificate #24199 in the FDIC failed bank list.
How many branches does Capitol National Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Lansing
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Auto-Owners Associates Credit UnionCredit union Lansing, MI | 96 out of 100, Very strong | $43.8M | 18.6% | 0.25% | vs |
| DFCU Financial Credit UnionCredit union Dearborn, MI | 82 out of 100, Strong | $8.0B | 12.6% | 0.63% | vs |
| Consumers Professional Credit UnionCredit union Lansing, MI | 81 out of 100, Strong | $149.7M | 16.8% | 1.28% | vs |
| Farm Bureau Family Credit UnionCredit union Lansing, MI | 81 out of 100, Strong | $26.6M | 12.5% | 0.64% | vs |
| Pfcu Credit UnionCredit union Portland, MI | 77 out of 100, Strong | $873.2M | 11.3% | 0.37% | vs |
| Commercial BankBank Ithaca, MI | 75 out of 100, Strong | $552.7M | 10.9% | 0.39% | vs |