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This institution is no longer active

Operations ceased on August 31, 2018. CRA examination history below reflects the period it was active.

CAPITAL CITY BANK

TOPEKA, KS · Supervised by FDIC

Est. 1892FDIC #16,803RSSD: FDIC-16803
Part ofCAPITAL CITY BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: June 2017

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.02%

Institution Profile

FDIC BankFind

Address

3710 Southwest Topeka Boulevard, TOPEKA, KS

County

Shawnee County

Established

January 30, 1892

Total Assets

$432M(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, 2017

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 9 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 Q2 2018Call Report / FDIC

Total Assets

$432M

Total Deposits

$377M

Net Loans

$300M

Net Income

$2M

ROA

1.02%

ROE

12.23%

Risk-Based Capital

12.36%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

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

Mortgage Denial Rate30.72%Peer avg: 7.63%▼ Below avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202475262.23%30.72%
202371166.81%27.57%
20221,35669.99%21.61%
20211,21464.83%26.61%
20201,73167.13%18.49%
20192,83674.82%11.99%
20182,54278.44%10.66%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

9 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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