Capital Bank: how it compares with its peers
Against 124 TX banks with half to twice its assets, Capital Bank's strongest measure in Q2 2026 is net interest margin (5.09% vs. a 4.18% peer median). Its weakest relative measure is assets per employee ($6.8M vs. $7.8M).
| Measure | Capital Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.71% | 1.42% | Top third Ahead of 68% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.09% | 4.18% | Top third Ahead of 90% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 56.01% | 60.54% | Middle third Ahead of 65% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.8M | $7.8M | Middle third Ahead of 36% of peers |
| Loans to deposits Net loans and leases over total deposits. | 96.08% | 77.10% | Context |
What it means for lending operations
Its efficiency ratio of 56.01% is better than the 60.54% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- First State Bank of Livingston Livingston, TX · $689M
- Citizens National Bank Cameron, TX · $692M
- Southwest Bank Odessa, TX · $694M
- First Bank Burkburnett, TX · $704M
- TXN Bank Hondo, TX · $669M
- Pilgrim Bank Pittsburg, TX · $715M
Questions about Capital Bank
How big is Capital Bank?
Capital Bank, established in 1965, is headquartered in Jacinto City, TX. It reported $690M in total assets in its Q2 2026 FDIC call report and operates 9 offices.
What is Capital Bank's return on assets?
1.71% annualized in Q2 2026, against a 1.42% median for 124 TX banks with half to twice its assets, ahead of 68% of them.
What is Capital Bank's efficiency ratio?
56.01% in Q2 2026: it spent about 56 cents in noninterest expense for each dollar of revenue. The peer median is 60.54%, and lower is better.
Is Capital Bank growing its loans?
Net loans grew 6.0% over the year to Q2 2026, while deposits grew 2.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TX banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Texas bank ranked.