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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 35164 · CA A · 93/100

GRADE-A · UPPER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-RICH

  • GRADE-A A (93/100)
  • UPPER-Q #487/4307
  • PHOTO-FINISH The Philadelphia Tru… · PA
  • TIER1-WELL 142.1% Tier 1
  • TEXAS-CLEAN 0.0% Texas
  • ROA-STRONG 70.45% ROA
  • SIZE-MID $100M–1B
  • BOOK-RICH 8/9 fields

Nearest health peer outside California: The Philadelphia Trust Company, PA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Capital Bank and Trust Company

Lowest and highest poles plus nearest scored peers outside California, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Capital Bank and Tru… · CA ·…93/100Cedar Hill National… · NC · …93/100First Command Bank · TX · ne…93/100The Philadelphia Tru… · PA ·…93/100WebBank · UT · near93/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Capital Bank and Trust Company · July 2026

Call Report read for Capital Bank and Trust Company in a high-failure state

Capital Bank and Trust Company (FDIC Cert #35164) carries a PlainBankData health grade of A at 93/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #487 of 4,307. Tier 1 capital prints at 142.12%, clearing the 10% well-capitalized line. The Texas Ratio is 0.00%, inside the sub-50% band analysts treat as healthy. Return on assets is 70.45%. Balance-sheet scale is $191M, 3,070th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is The Philadelphia Trust Company (PA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Capital Bank and Trust Company

44 FAILURE resolutions in California since 2000, heavy vs the state corpus

Capital Bank and Trust Company sits in one of the heavier post-2000 FAILURE states (44 resolutions; latest year 2023). The list below is state history from the Failed Bank List, not a claim about Capital Bank and Trust Company's current Call Report.

  • FIRST REPUBLIC BANK SAN FRANCISCO, CA 2023 → JPMORGAN CHASE BANK, N.A.
  • SILICON VALLEY BANK SANTA CLARA, CA 2023 → FIRST-CITIZENS BANK & TRUST COMPANY
  • FRONTIER BANK, FSB PALM DESERT, CA 2014 → BANK OF SOUTHERN CALIFORNIA, N.A.

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and California banks.

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.

0/100100/100National avg77/10093/100
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 Assets

$191M

Total balance-sheet footings

Total Deposits

$500K

Customer-funded liabilities

Net Loans

-

Outstanding loan book

Net Income

$130M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 30% 60% 90% 120% 150% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 140.72% 142.12% 143.52%
Basel III capital ratios - Capital Bank and Trust Company

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

93 Top 11% higher than 89% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. Capital Bank and Trust Company 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

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.

Capital & credit buffers at Capital Bank and Trust Company

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

What these ratios mean →

Earnings posture at Capital Bank and Trust Company

Return on Assets (ROA)
100th percentile nationally
70.45%
Return on Equity (ROE)
104.84%
Efficiency Ratio
62.20%

What these mean →

Income & expense at Capital Bank and Trust Company

$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.

FDIC Failed Bank List → View Capital Bank and Trust Company on FDIC BankFind →

Top banks in California by total assets

Largest banks headquartered in California
  1. 1
    City National Bank $98.4B

    Los Angeles, CA · Grade A

  2. 2
    East West Bank $79.7B

    Pasadena, CA · Grade A

  3. 3
    Banc of California $34.7B

    Los Angeles, CA · Grade B

  4. 4
    Axos Bank $27.2B

    San Diego, CA · Grade A

  5. 5
    Cathay Bank $24.2B

    Los Angeles, CA · Grade A

Top 5 banks in California ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($191M here), outside California so the neighborhood is not state containment.

Lone Star Bank $191M · TX Minnstar Bank $191M · MN The Farmers State Bank $191M · OK First Federal Savings and Loan Associ… $191M · OH

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.

Capital Bank and Trust Company Call Report profile · FDIC Failed Bank List · California FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in California

All California banks →
BankAssetsGradeROA
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%