Capitol Bank
Madison, WI · Cert 34074 · Peer group: banks under $1B in assets in WI (n=110-113) · Capitol Bankshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
$565.3MAssets
$431.1MLoans
$473.0MDeposits
$69.4MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 78% of banks under $1B in assets in WI (rank 25 of 110).
- Widest gap: net interest margin trails 81% of banks under $1B in assets in WI (rank 91 of 113).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.18%
Rank 56 of 113
Net Interest Margin
3.13%
Rank 91 of 113
Efficiency Ratio
59.48%
Rank 47 of 113
Equity / Assets
12.28%
Rank 37 of 113
Non-interest income vs. expense
Unfavorable gap of $10.2M · efficiency ratio beats 59% of banks under $1B in assets in WI | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.18% | 0.85% | 1.17% | 1.51% | Beats 50% | 56 / 113 | | |
| Return on Equity | 9.61% | 7.70% | 10.77% | 13.67% | Beats 36% | 72 / 113 | | |
| Net Interest Margin | 3.13% | 3.19% | 3.59% | 3.89% | Beats 19% | 91 / 113 | | |
| Efficiency Ratio | 59.48% | 54.61% | 62.43% | 71.88% | Beats 59% | 47 / 113 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.02% | 0.03% | 0.24% | 0.91% | Beats 78% | 25 / 110 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.01% | Beats 64% | 44 / 110 | | |
| Capital |
| Tier 1 Capital Ratio | 15.76% | 11.22% | 12.95% | 15.76% | Beats 74% | 29 / 113 | | |
| Total Risk-Based Capital Ratio | 17.01% | 11.57% | 13.59% | 16.73% | Beats 75% | 28 / 113 | | |
| Equity / Assets | 12.28% | 9.17% | 10.74% | 13.13% | Beats 67% | 37 / 113 | | |
| Liquidity & Funding |
| Loans / Deposits | 91.14% | 76.54% | 86.37% | 98.93% | 63rd pctl | 42 / 112 | | |
| Loans / Assets | 76.26% | 63.07% | 71.33% | 78.84% | 65th pctl | 40 / 113 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |