Capitol National Bank: how it compares with its peers
Against 25 MI banks with half to twice its assets, Capitol National Bank's strongest measure in Q2 2026 is net interest margin (5.13% vs. a 4.14% peer median). Its weakest relative measure is assets per employee ($6.5M vs. $5.6M).
| Measure | Capitol National Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.79% | 0.90% | Top third Ahead of 88% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.13% | 4.14% | Top third Ahead of 96% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 56.95% | 70.17% | Top third Ahead of 88% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.5M | $5.6M | Top third Ahead of 76% of peers |
| Loans to deposits Net loans and leases over total deposits. | 102.68% | 72.73% | Context |
What it means for lending operations
Its efficiency ratio of 56.95% is better than the 70.17% 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
- Northern Interstate Bank, N. A. Norway, MI · $194M
- Peoples State Bank of Munising Munising, MI · $190M
- The State Savings Bank of Manistique Manistique, MI · $178M
- Bank Michigan Brooklyn, MI · $176M
- Baybank Gladstone, MI · $173M
- Mi Bank Bloomfield Township, MI · $245M
Questions about Capitol National Bank
How big is Capitol National Bank?
Capitol National Bank, established in 1982, is headquartered in Lansing, MI. It reported $209M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Capitol National Bank's return on assets?
1.79% annualized in Q2 2026, against a 0.90% median for 25 MI banks with half to twice its assets, ahead of 88% of them.
What is Capitol National Bank's efficiency ratio?
56.95% in Q2 2026: it spent about 57 cents in noninterest expense for each dollar of revenue. The peer median is 70.17%, and lower is better.
Is Capitol National Bank growing its loans?
Net loans grew 25.7% over the year to Q2 2026, while deposits grew 4.9%.
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 MI 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 Michigan bank ranked.