Capital Community Bank
Provo, Utah · FDIC Cert #33823
Capital Community Bank is an FDIC-insured bank (Certificate #33823) with $949M in total assets and $803M in total deposits as of the Q2 2024 Call Report. Headquartered in Provo, Utah, the bank maintains a Tier 1 capital ratio of 16.45% (Well-Capitalized) and a nonperforming loan ratio of 2.01%. BankHealthData assigns a composite Health Grade of B (75/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Capital Community Bank (FDIC cert 33823) is a community bank — $949M in total assets, $803M in deposits, serving the Provo, Utah area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 16.45% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is elevated: non-performing loan ratio of 2.01% runs above 2%, suggesting the loan book carries more credit risk than peer banks. Elevated NPL can reflect specific portfolio concentrations or broader credit-cycle pressure. Liquidity is in the normal range: 16.8% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is strong: return on assets of 4.50% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. Capital Community Bank carries a composite BankHealth grade of B (75/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Capital Community Bank
- Total Assets
- $949M
- Total Deposits
- $803M
- Tier 1 Capital Ratio
- 16.45%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 2.01%
- Liquidity Ratio
- 16.80%
- Return on Assets
- 4.50%
- Headquarters
- Provo, Utah
- FDIC Certificate
- #33823
- Health Grade
- B (75/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Capital Community Bank holds a Tier 1 capital ratio of 16.45%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Capital Community Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Capital Community Bank shows strong financial health indicators. With $949M in assets and a Health Score of 75/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Capital Community Bank Compares
Capital Community Bank’s Health Score of 75 is 6 points above the Utah state average of 69 across 41 FDIC-insured banks. Its 16.45% Tier 1 capital ratio is 2.5 points above the US banking industry average near 14%. The 2.01% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 4.50% is in line with or above the national ROA benchmark of ~1.1%. Among 1066 similarly-sized banks, the average Health Score is 71, meaning this bank ranks above its size cohort. Site-wide, Capital Community Bank is 5 points above the portfolio average of 70.
Frequently Asked Questions
Capital Community Bank has a Bank Health Score of B (75/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 16.45%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Capital Community Bank's Tier 1 capital ratio of 16.45% and nonperforming loan ratio of 2.01% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Capital Community Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #33823). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Capital Community Bank holds $949M in total assets and $803M in total deposits. It is headquartered in Provo, Utah (FDIC Certificate #33823).
Capital Community Bank has a Tier 1 capital ratio of 16.45%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 2.01%, and the return on assets is 4.50%.
Yes. Capital Community Bank is FDIC-insured (Certificate #33823). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Capital Community Bank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.