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Capitol Bank
Madison, WI · FDIC Certificate #34074 · Chartered 10/0
Total assets
$565.30M
Total deposits
$473.00M
Total equity
$69.44M
Net loans
$424.78M
Branches (offices)
3
Net income (YTD)
$3.33M
Rank: #1,632 of 4,213 U.S. banks by assets · #58 of 153 in Wisconsin. Assets changed -6.1% and deposits -7.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.12% |
| Return on equity | 9.73% |
| Net interest margin (YTD) | 3.22% |
| Equity to assets | 12.28% |
| Tier 1 leverage ratio | 12.42% |
| Uninsured deposits (share of deposits) | 27.1% |
| Noncurrent loans (share of loans) | 0.02% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 89.8% |
| Real estate loans (share of loans) | 85.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $364.65M | 85.8% | |
| Commercial & industrial | $56.03M | 13.2% | |
| Consumer / individual | $4.47M | 1.1% | |
| Construction & development | $28.00M | 6.6% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $502.02M | $413.96M | $2.41M | $52.13M |
| Jun 2023 | $565.04M | $467.73M | $1.65M | $54.96M |
| Jun 2024 | $594.41M | $491.80M | $1.61M | $58.83M |
| Jun 2025 | $601.77M | $512.27M | $2.18M | $64.40M |
| Jun 2026 | $565.30M | $473.00M | $3.33M | $69.44M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Wisconsin | $473.00M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $473.00M.
Similar-sized banks
South Ottumwa Savings Bank ($565.45M) · Peoples Bank Of Kentucky, Inc. ($564.89M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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