Capital Bank and Trust Company: how it compares with its peers
Against 30 CA banks with half to twice its assets, Capital Bank and Trust Company's strongest measure in Q2 2026 is return on assets (81.14% vs. a 0.52% peer median). Its weakest relative measure is assets per employee ($2.2M vs. $7.8M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 81.14% | 0.52% | Top third Ahead of 100% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.53% | 3.90% | Bottom third Ahead of 33% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 59.06% | 77.66% | Top third Ahead of 70% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $2.2M | $7.8M | Bottom third Ahead of 0% of peers |
| Loans to deposits Net loans and leases over total deposits. | 0.00% | 96.85% | Context |
What it means for lending operations
Its efficiency ratio of 59.06% is better than the 77.66% 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
- Summit Bank Oakland, CA · $264M
- Mission National Bank San Francisco, CA · $276M
- Home Bank of California San Diego, CA · $255M
- Gateway Bank, F.S.B. Oakland, CA · $288M
- Monterey County Bank Monterey, CA · $300M
- Metropolitan Bank Oakland, CA · $230M
Questions about Capital Bank and Trust Company
How big is Capital Bank and Trust Company?
Capital Bank and Trust Company, established in 2000, is headquartered in Irvine, CA. It reported $266M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Capital Bank and Trust Company's return on assets?
81.14% annualized in Q2 2026, against a 0.52% median for 30 CA banks with half to twice its assets, ahead of 100% of them.
What is Capital Bank and Trust Company's efficiency ratio?
59.06% in Q2 2026: it spent about 59 cents in noninterest expense for each dollar of revenue. The peer median is 77.66%, and lower is better.
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 CA 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 California bank ranked.