Capital Bank and Trust Company
Irvine, CA · Cert 35164 · Peer group: banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=28)
State savings bank · OCC · 2 branches
Q2 2026
$266.1MAssets
$0KLoans
$500KDeposits
$208.5MEquity
Executive Summary
- Strongest standing: return on assets outperforms 96% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 1 of 28).
- Widest gap: net interest margin trails 93% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 26 of 28).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
69.52%
Rank 1 of 28
Net Interest Margin
2.21%
Rank 26 of 28
Efficiency Ratio
59.06%
Rank 11 of 28
Equity / Assets
78.35%
Rank 1 of 28
Non-interest income vs. expense
Favorable gap of $229.0M · efficiency ratio beats 64% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 69.52% | 0.39% | 0.81% | 1.45% | Beats 96% | 1 / 28 | |
| Return on Equity | 88.73% | 2.58% | 5.09% | 9.10% | Beats 96% | 1 / 28 | |
| Net Interest Margin | 2.21% | 3.22% | 3.68% | 4.12% | Beats 7% | 26 / 28 | |
| Efficiency Ratio | 59.06% | 56.77% | 70.25% | 85.37% | Beats 64% | 11 / 28 | |
| Asset Quality |
| Nonperforming Loans / Loans | n/a | Not reported for this institution |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 202% | 13.70% | 16.46% | 19.75% | Beats 96% | 1 / 28 | |
| Total Risk-Based Capital Ratio | 202% | 14.96% | 17.60% | 20.63% | Beats 96% | 1 / 28 | |
| Equity / Assets | 78.35% | 11.97% | 15.41% | 17.42% | Beats 96% | 1 / 28 | |
| Liquidity & Funding |
| Loans / Deposits | 0.00% | 84.00% | 97.95% | 102.47% | 0th pctl | 28 / 28 | |
| Loans / Assets | 0.00% | 69.18% | 76.59% | 81.19% | 0th pctl | 28 / 28 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |