Capitol Bank: how it compares with its peers
Against 78 WI banks with half to twice its assets, Capitol Bank's strongest measure in Q2 2026 is assets per employee ($10.1M vs. a $7.6M peer median). Its weakest relative measure is net interest margin (3.22% vs. 3.76%).
| Measure | Capitol Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.12% | 1.32% | Bottom third Ahead of 32% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.22% | 3.76% | Bottom third Ahead of 24% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 59.48% | 58.76% | Middle third Ahead of 47% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $10.1M | $7.6M | Top third Ahead of 79% of peers |
| Loans to deposits Net loans and leases over total deposits. | 89.81% | 86.69% | Context |
What it means for lending operations
Its efficiency ratio of 59.48% is above the 58.76% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Baraboo State Bank Baraboo, WI · $570M
- First State Bank New London, WI · $558M
- Northwestern Mutual Wealth Management Milwaukee, WI · $558M
- Unity Bank Augusta, WI · $575M
- Premier Community Bank Marion, WI · $552M
- Mound City Bank Platteville, WI · $551M
Questions about Capitol Bank
How big is Capitol Bank?
Capitol Bank, established in 1995, is headquartered in Madison, WI. It reported $565M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Capitol Bank's return on assets?
1.12% annualized in Q2 2026, against a 1.32% median for 78 WI banks with half to twice its assets, ahead of 32% of them.
What is Capitol Bank's efficiency ratio?
59.48% in Q2 2026: it spent about 59 cents in noninterest expense for each dollar of revenue. The peer median is 58.76%, and lower is better.
Is Capitol Bank growing its loans?
Net loans shrank 10.5% over the year to Q2 2026, while deposits shrank 7.7%.
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 WI 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 Wisconsin bank ranked.