Side-by-side · Q2 2026 data
Baybank vs Capitol National Bank
Metric by metric
| Measure | Baybank | Capitol National Bank |
|---|---|---|
| TellerScore | 56 | 75 (stronger) |
| Capital cushion | 57 | 100 (stronger) |
| Loan quality | 33 | 50 (stronger) |
| Earnings | 69 | 92 (stronger) |
| Funding & liquidity | 63 (stronger) | 38 |
| Problem-loan coverage | 71 | 86 (stronger) |
| Peer percentile | 13th | 61st |
| Total assets | $173.4M | $209.3M |
| Deposits / shares | $145.8M | $162.1M |
| Capital ratio | 10.71% | 16.74% (stronger) |
| Problem loans | 2.02% | 1.49% (stronger) |
| Net charge-offs | 0.06% | 0.00% (stronger) |
| Return on assets | 1.23% | 1.79% (stronger) |
| Loans ÷ deposits | 92.4% (stronger) | 102.7% |
| Uninsured deposits | 19.6% (stronger) | 32.8% |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Capitol National Bank has the higher TellerScore (75 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Baybank leads on 2 and Capitol National Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.