Capitol National Bank
Lansing, Michigan · FDIC Cert #24199
Capitol National Bank is an FDIC-insured bank (Certificate #24199) with $192M in total assets and $161M in total deposits as of the Q2 2024 Call Report. Headquartered in Lansing, Michigan, the bank maintains a Tier 1 capital ratio of 0.00% (Critically Undercapitalized) and a nonperforming loan ratio of 0.11%. BankHealthData assigns a composite Health Grade of C (57/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Capitol National Bank (FDIC cert 24199) is a community bank — $192M in total assets, $161M in deposits, serving the Lansing, Michigan area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Tier 1 capital ratio is not disclosed in the most recent Call Report — unusual but possible for new institutions or those filing under specific regulatory exemptions. Asset quality is clean: non-performing loan ratio of 0.11% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is in the normal range: 22.8% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is strong: return on assets of 2.75% 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 mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. Capitol National Bank carries a composite BankHealth grade of C (57/100) 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: Capitol National Bank
- Total Assets
- $192M
- Total Deposits
- $161M
- Tier 1 Capital Ratio
- 0.00%
- Capital Status
- Critically Undercapitalized
- Nonperforming Loans
- 0.11%
- Liquidity Ratio
- 22.77%
- Return on Assets
- 2.75%
- Headquarters
- Lansing, Michigan
- FDIC Certificate
- #24199
- Health Grade
- C (57/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Capitol National Bank holds a Tier 1 capital ratio of 0.00%. This falls below the 6% threshold regulators require, which may subject Capitol National Bank to additional regulatory scrutiny.
Key Financial Metrics
What This Means For Your Money
Capitol National Bank shows average financial health. While not alarming, its Health Score of 57/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
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 Capitol National Bank Compares
Capitol National Bank’s Health Score of 57 is 16 points below the Michigan state average of 73 across 69 FDIC-insured banks. Its 0.00% Tier 1 capital ratio is 14.0 points below the US banking industry average near 14%. The 0.11% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 2.75% is in line with or above the national ROA benchmark of ~1.1%. Among 1510 similarly-sized banks, the average Health Score is 69, meaning this bank ranks below its size cohort. Site-wide, Capitol National Bank is 13 points below the portfolio average of 70.
Frequently Asked Questions
Capitol National Bank has a Bank Health Score of C (57/100), placing it in average financial health. It holds a Tier 1 capital ratio of 0.00%, which is below 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. Capitol National Bank's Tier 1 capital ratio of 0.00% and nonperforming loan ratio of 0.11% indicate an average 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 Capitol National Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #24199). 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.
Capitol National Bank holds $192M in total assets and $161M in total deposits. It is headquartered in Lansing, Michigan (FDIC Certificate #24199).
Capitol National Bank has a Tier 1 capital ratio of 0.00%, classifying it as "Critically Undercapitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.11%, and the return on assets is 2.75%.
Yes. Capitol National Bank is FDIC-insured (Certificate #24199). 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 C grade on our Bank Health Score means 55-69/100 — average across capital, loan quality, and profitability. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Capitol National Bank's metrics are around average for the industry. There's no urgent action needed for FDIC-insured deposits, but it's worth monitoring quarterly updates. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.