Capital Bank and Trust Company Rates and Review March 2026
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Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Rate Updates and AvailabilityCapital Bank and Trust Company money market rates, and other rates, are continually updated to reflect market conditions, we recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Capital Bank and Trust Company? Share your experience about Capital Bank and Trust Company by leaving a review below, or read customer reviews before you decide to use Capital Bank and Trust Company. Capital Bank and Trust Company Texas RatioCapital Bank and Trust Company's Texas Ratio is at 0.00%, which is considered perfect. The Texas Ratio for Capital Bank and Trust Company is lower than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing. MonitorBankRates Rating
5.0
Exceptional
Out of 5.0 Stars
Capital Bank and Trust Company has earned a Smart Rating of 5.0 out of 5 stars. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Overall, Capital Bank and Trust Company is a exceptional bank worth considering, with an overall rating of 5.0 stars out of 5 stars. Overall Health & Safety Grade
A+
Exceptional Health
Score: 100/100
Capital Bank and Trust Company has earned an overall safety grade of A+. This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability. Current Interest RatesRate
APY/APR
vs. Avg
"N/A" indicates the product is not offered or the rate is unavailable. Rates Last Updated: 03/07/2026 
Current Rate AvailabilityWe do not have Capital Bank and Trust Company rates right now, but we are constantly updating our database so check back often for updated rates. Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Capital Bank and Trust Company is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather Capital Bank and Trust Company rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Capital Bank and Trust Company's official website for the most current offers and terms.
Bank Profile & OverviewCapital Bank and Trust Company
6455 Irvine Center DrIrvine, CA 92618 Orange Established Date: 07/01/2000 FDIC Certificate #: 35164 Date of FDIC Deposit Insurance: 07/01/2000 How Many Domestic U.S. Offices? 2 How Many Branches are There? 2 Website: https://www.americanfunds.com
Is Capital Bank and Trust Company FDIC Insured? Yes
What is Capital Bank and Trust Company's Cert number? 35164
What is the maximum amount for insured deposits? $250,000 per holder, per account
Financial Health & AssetsMonitorBankRates Star Rating:
5.0 / 5.0 ★
Overall Health & Safety Grade:
A+ (100/100)
Texas Ratio:
0.00%
Return on Assets (ROA):
42.5058%
Return on Equity (ROE):
63.1600%
Non-Performing Loans (NPL):
0.00%
Total Assets:
$191,417,000
Total Deposits:
$500,000
Equity Capital:
$117,048,000
Net Income:
$130,345,000
Headquarters:
Irvine
Regulator:
OCC
# of Offices:
2
Source: FDIC | Last Updated 12/31/2025
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Frequently Asked Questions About Capital Bank and Trust CompanyHow do I open an account at Capital Bank and Trust Company?You can typically open an account at Capital Bank and Trust Company by visiting a local branch or applying through their official website. Is there a first-time homebuyer program?Currently, Capital Bank and Trust Company provides a range of mortgage and home equity products. Is Capital Bank and Trust Company a safe place to deposit money?Yes, Capital Bank and Trust Company is considered a safe financial institution. Your accounts are federally insured by the FDIC up to $250,000 per depositor. Does Capital Bank and Trust Company offer online and mobile banking?Most modern institutions like Capital Bank and Trust Company provide digital access including online balance checks and transfers. Compare to other Banks |
You can compare Capital Bank and Trust Company rates to other rates in our database, including 12-month CD rates currently at 3.54%, 6-month CD rates at 0.75% and 3-month CD rates at 2.48%. Savings rates are at 0.35% and money market rates are at 3.30%. Mortgage rates on 30-year fixed loans are around 5.79%. All these rates, and more, can be found in our database of rates which you can compare to 
