81.43%
+17.1%y/y
Peer standing100th percentile
FDIC
NETINC + ROACB
Capital Bank and Trust Company
Irvine, CaliforniaFDIC Cert #35164
OCCEstablished 20002 branches
Holding company: Not reportedRegulator: OCC
FDIC
CERT + OFFDOMProfitability, margin & efficiency
Performance
Returns, spread economics, operating efficiency, and growth viewed against this bank's peers.
As of Q1 2026
Returns & margin
Annualized returns and the economics of earning assets and paid funding.
123.23%
+7.2%y/y
Peer standing100th percentile
FDIC
NETINC + ROE105.35%
+23.2%y/y
Peer standing100th percentile
FDIC
PTAXNETINC + ASSET3.44%
−3.1%y/y
Peer standing29th percentile
FDIC
NIM + NIMY3.44%
−3.1%y/y
Peer standing1st percentile
FDIC
INTINCY0.00%
Peer standing100th percentile
FDIC
EINTEXP + DEPIDOMEfficiency & growth
Operating productivity and year-over-year balance-sheet momentum.
59.09%
−5.0%y/y
Peer standing66th percentile
FDIC
NONIX + NIM + NONII + EEFFR152.14%
+8.0%y/y
Peer standing0th percentile
FDIC
NONIX + ASSET99.05%
+0.0%y/y
Percentile by value100th percentileby value
FDIC
NONII + NIM+33.49%
+1,484.1%y/y
Percentile by value98th percentileby value
FDIC
ASSET0.00%
Percentile by value23rd percentileby value
FDIC
DEPFDIC
LNLSNETHow this bank compares
Switch cohorts or expand any row to inspect the full distribution.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA81.43%100th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.33%Median 1.18%90th 2.13%Observations 1,247
ROE
FDIC
NETINC + ROE123.23%100th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 2.85%Median 11.08%90th 20.43%Observations 1,247
NIM
FDIC
NIM + NIMY3.44%29th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.92%Median 3.89%90th 4.91%Observations 1,247
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR59.09%66th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 47.24%Median 64.46%90th 87.12%Observations 1,247
Deposits YoY
FDIC
DEP0.00%23rd percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −3.02%Median +3.60%90th +14.76%Observations 1,238
Loans YoY
FDIC
LNLSNETToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.89%Median +5.09%90th +18.61%Observations 1,230
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGRToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.39%90th 2.38%Observations 1,231
Leverage
FDIC
RBC1AAJ69.79%99th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.82%Median 11.12%90th 16.44%Observations 1,247
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM0.00%100th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.42%Median 2.26%90th 3.32%Observations 1,237
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC0%0th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 13%Median 92%90th 236%Observations 588
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA81.43%100th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th −0.10%Median 1.10%90th 2.16%Observations 121
ROE
FDIC
NETINC + ROE123.23%100th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th −0.97%Median 8.59%90th 17.23%Observations 121
NIM
FDIC
NIM + NIMY3.44%34th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.85%Median 3.77%90th 4.90%Observations 123
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR59.09%53rd percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 39.68%Median 60.80%90th 96.70%Observations 121
Deposits YoY
FDIC
DEP0.00%26th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −5.66%Median +4.99%90th +23.38%Observations 120
Loans YoY
FDIC
LNLSNETToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −4.04%Median +7.60%90th +21.89%Observations 116
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGRToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.41%90th 2.67%Observations 117
Leverage
FDIC
RBC1AAJ69.79%99th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.40%Median 11.85%90th 22.17%Observations 123
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM0.00%100th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.66%Median 2.81%90th 3.93%Observations 117
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC0%0th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 96%Median 254%90th 442%Observations 81
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA81.43%100th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th −0.57%Median 0.35%90th 2.52%Observations 19
ROE
FDIC
NETINC + ROE123.23%100th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th −5.48%Median 2.04%90th 17.50%Observations 19
NIM
FDIC
NIM + NIMY3.44%33rd percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.76%Median 3.83%90th 4.96%Observations 19
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR59.09%78th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 54.31%Median 87.04%90th 120.10%Observations 19
Deposits YoY
FDIC
DEP0.00%44th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −9.13%Median +5.69%90th +39.13%Observations 19
Loans YoY
FDIC
LNLSNETToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.42%Median +14.07%90th +43.93%Observations 18
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGRToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.20%90th 2.24%Observations 18
Leverage
FDIC
RBC1AAJ69.79%100th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.46%Median 14.76%90th 26.57%Observations 19
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM0.00%100th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 2.32%Median 3.40%90th 4.13%Observations 19
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC0%0th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 0%Median 109%90th 351%Observations 6
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.