Bank · FDIC insured
Capital Bank
A $689.7M bank headquartered in Jacinto City, TX, with 9 branches in Texas. Best rates: CDs 3.80% and savings 0.25% APY.
Capital Bank Carrot Score
64
Carrot Score
Higher than 11% of U.S. banks and credit unions
#96 of 107 in Houston, TX metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Capital Bank
Originally chartered in 1965, Capital Bank adopted its current name in 1985 as an independent community bank in the Houston area.
The bank operates eight full-service banking locations across Jacinto City, Pearland, Pasadena, Baytown, Deer Park, Sugar Land, Katy, and Clear Lake.
- Headquarters
- 10304 East Fwy, Jacinto City, TX 77029
- FDIC certificate
- 19401 ↗
Branches
9 branches in Texas
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Texas
9 branches
- Capital BankMain office10304 East Fwy, Jacinto City, TX 77029Directions
- Garth Road Branch3719 Garth Rd, Baytown, TX 77521Directions
- Deer Park Branch3500 East Blvd, Deer Park, TX 77536Directions
- Clear Lake Banking Center Branch1010 Bay Area Blvd, Houston, TX 77058Directions
- Eagle'S Trace14703 Eagle Vista Dr, Houston, TX 77077Directions
- Katy Banking Center Branch23033 Grand Circle Blvd, Katy, TX 77449Directions
- Fairmont Parkway Branch6101 Fairmont Pkwy, Pasadena, TX 77505Directions
- Pearland Branch1813 Broadway St, Pearland, TX 77581Directions
- Sugar Land Branch1914 Wescott Avenue Suite 100, Sugar Land, TX 77479Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.81% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.01% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.71% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $97 | $81 | — |
- CapitalLeverage ratio10.81%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.01%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.71%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$97Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Capital Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.