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This institution is no longer active

Operations ceased on June 30, 2011. CRA examination history below reflects the period it was active.

CAPITAL BANK

RALEIGH, NC · Supervised by FDIC

Est. 1997FDIC #34,452RSSD: FDIC-34452
Part ofNORTH AMN FINL HOLDINGS→ View all charters
Satisfactory Same

Current rating · Exam: June 2011

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.11%

Institution Profile

FDIC BankFind

Address

333 Fayetteville Street, RALEIGH, NC

County

Wake County

Established

June 20, 1997

Total Assets

$1.7B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

June 1, 2011

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 15 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2011Call Report / FDIC

Total Assets

$1.7B

Total Deposits

$1.4B

Net Loans

$1.1B

Net Income

$-450K

ROA

-0.11%

ROE

-1.09%

Risk-Based Capital

11.97%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate4.43%Peer avg: 9.91%▲ Above avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20241,15269.88%4.43%
202391866.23%3.92%
20221,12069.64%4.20%
20213,52076.59%2.41%
20204,85173.55%1.69%
20192,54171.86%3.74%
20181,76069.6%5.45%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

3 previous ratings locked — dating back to 1999

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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