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Capitol National Bank
Lansing, MI · FDIC Certificate #24199 · Chartered 11/2
Total assets
$209.28M
Total deposits
$162.12M
Total equity
$33.44M
Net loans
$166.46M
Branches (offices)
2
Net income (YTD)
$1.86M
Rank: #2,918 of 4,213 U.S. banks by assets · #53 of 72 in Michigan. Assets changed 10.6% and deposits 4.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.79% |
| Return on equity | 11.36% |
| Net interest margin (YTD) | 5.13% |
| Equity to assets | 15.98% |
| Tier 1 leverage ratio | 16.74% |
| Uninsured deposits (share of deposits) | 32.8% |
| Noncurrent loans (share of loans) | 1.49% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 102.7% |
| Real estate loans (share of loans) | 81.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $134.76M | 81.0% | |
| Commercial & industrial | $12.67M | 7.6% | |
| Consumer / individual | $261.00K | 0.2% | |
| Construction & development | $7.19M | 4.3% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $206.69M | $181.94M | $1.07M | $19.96M |
| Jun 2023 | $188.81M | $161.27M | $1.90M | $23.10M |
| Jun 2024 | $192.47M | $161.35M | $2.03M | $26.55M |
| Jun 2025 | $189.16M | $154.62M | $1.87M | $30.12M |
| Jun 2026 | $209.28M | $162.12M | $1.86M | $33.44M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Michigan | $162.12M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $162.12M.
Similar-sized banks
Apollo Trust Company ($209.41M) · Esb Bank ($208.87M)
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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