Total Assets
$191M
Total balance-sheet footings
FDIC Cert #35164 · Irvine, California · Est. 2000
Capital Bank and Trust Company - FDIC Bank Health Profile
A community-scale look at Capital Bank and Trust Company's own numbers, pulled straight from its quarterly FDIC Call Report.
- $191M
- Total assets
- A
- Health grade · Excellent
- 70.45%
- Return on assets
- 142.1%
- Tier 1 capital
Data updated July 2026
The verdict
Capital Bank and Trust Company earns a PlainBankData health grade of A (93/100), with well-capitalized at 142.12% Tier 1, profitable at 70.45% ROA, 62% efficiency ratio.
- #3,070
- largest of 4,313 FDIC banks by assets
- 29th
- percentile by asset size, nationally
- 142.12%
- Tier 1 ratio - above the 10% well-capitalized line
- 100th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Capital Bank and Trust Company's 93/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Capital Bank and Trust Company's composite health score
Tier 1 Capital Ratio (142.12%) 40/40
Return on Assets (ROA) (70.45%) 25/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (62.20%) 8/15
93 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$500K
Customer-funded liabilities
Net Loans
-
Outstanding loan book
Net Income
$130M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Capital Bank and Trust Company ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Capital Bank and Trust Company's score of 93/100 falls in the highlighted band.
Capital Bank and Trust Company's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Capital Bank and Trust Company's $191M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
142.12% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
142.12%
Texas Ratio
0.00%
Equity Capital
$117M
Profitability metrics
Return on Assets (ROA)
100th percentile nationally
70.45%
Return on Equity (ROE)
104.84%
Efficiency Ratio
62.20%
What the numbers say about Capital Bank and Trust Company
Capital Bank and Trust Company is an FDIC-insured institution (Certificate #35164) headquartered in Irvine, California, established in 2000. It holds $191M in total assets - 3,070th of 4,313 FDIC-insured banks, $500K in customer deposits, and - in net loans. Looking at capital strength, Tier 1 stands at 142.12%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 0.00%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (93/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within California, Capital Bank and Trust Company ranks 107th of 121 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$4M
Interest Income
$439M
Non-Interest Income
$276M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Capital Bank and Trust Company reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in California by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Capital Bank and Trust Company (FDIC Cert #35164) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in California
All California banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| City National BankLos Angeles | $98.4B | A | 0.95% |
| East West BankPasadena | $79.7B | A | 1.72% |
| Banc of CaliforniaLos Angeles | $34.7B | B | 0.78% |
| Axos BankSan Diego | $27.2B | A | 1.77% |
| Cathay BankLos Angeles | $24.2B | A | 1.38% |
| Mechanics BankWalnut Creek | $22.4B | A | 1.44% |
| Bank of HopeLos Angeles | $18.5B | B | 0.42% |
| Citizens Business Bank, National AssociationOntario | $15.6B | A | 1.39% |
Frequently asked questions
What is Capital Bank and Trust Company's health grade?▼
Capital Bank and Trust Company receives a health grade of A (93/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Capital Bank and Trust Company?▼
Capital Bank and Trust Company holds $191M in total assets and $500K in deposits, ranking 3,070th of 4,313 FDIC-insured banks by asset size. It is headquartered in Irvine, California.
Is my money safe at Capital Bank and Trust Company?▼
Yes, deposits at Capital Bank and Trust Company (Certificate #35164) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Capital Bank and Trust Company's Tier 1 Capital Ratio?▼
Capital Bank and Trust Company has a Tier 1 Capital Ratio of 142.12%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Capital Bank and Trust Company?▼
Capital Bank and Trust Company has a Texas Ratio of 0.00%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Capital Bank and Trust Company?▼
Capital Bank and Trust Company has an Efficiency Ratio of 62.20%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Capital Bank and Trust Company's profile as a depositor or analyst.
- Capital Bank and Trust Company's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Capital Bank and Trust Company against other California banks before moving funds. California banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.