About Capital Bank

About Capital Bank:

Who is Capital Bank?

Capital Bank, N.A. is a mid-sized bank focused on serving the diverse needs of business owners in the greater Washington, D.C. metropolitan area. Our smart growth strategy, combined with the strength of our customer experience, has propelled the company forward as a leading bank in the region. Focusing more on interactions than transactions, we have a corporate culture that emphasizes partnering with our clients to help create value, sustaining their individual businesses as well as the larger community.

We offer a range of services, encompassing cash management, commercial lending, consumer credit and residential mortgage/Veterans Administration home loans. Yet, while we deliver operationally in structuring loans, providing treasury management or financing personal mortgages, our success is directly related to sharing our clients’ vision of what their businesses could be. That is what has built our reputation and will continue to foster our growth in the years ahead.

Growth and Awards

snlfinanciallogoRanked #30 in the Top 100 community banks between $500 million and $5 billion in assets for 2014 by SNL Financial.

VOLT.6Named a 2015 Future 50 Company to watch by SmartCEO — representing the area’s fastest growing mid-size companies based on a three-year average of employee and revenue growth.

SBA-LogoTwo rankings by the U.S. Small Business Administration (SBA): ranking #2 among community lenders, and in the top 10 among participating lenders in the Washington Metropolitan District for loan volume for Fiscal Year 2014.

Consistent double-digit asset growth year-over-year for the past 3 years ending with 26% growth in 2014.

Measured approach towards growth, frequently outperforming members of our peer group in both asset growth and return on equity.

Our Story

Capital Bank opened its doors in 1999 amidst the beginning of industry-wide consolidation. As other banks were contracting during the changing economy, we continued to grow our client and asset base. Partnering with Metropolitan D.C. business owners, we deliver the right banking solutions, showing our customers today, as we did then, that Capital Bank is more than just a transactional bank; we maintain a collaborative culture of banking, invested in the success of our clients.

capitalbank_7394_23471-300x199Our clients think of us as an integral part of their team. They receive the personalized, one-on-one attention they expect from a local bank, with the access to technology and cash management tools of a larger bank. Our ability to deliver customized solutions is enabled through the technology we employ and the extensive resources we maintain.

With technology that includes mobile banking, electronic transfer, online banking with check images, and bill pay, our clients don’t have to bank at the branch.With few branches in the Metropolitan D.C. area, this technology allows our customers to bank at their convenience, wherever they are, enabling them to focus on their business.

In addition, Capital Bank has two nationwide consumer services. The credit card division, OpenSky, focuses on providing credit rebuilding tools and financial education to our customers. Capital Bank Mortgage also originates almost half a billion dollars annually in loan volume. Capital Bank Mortgage employs several of the top mortgage originators in the nation, who continue to achieve their top ranking due to their expertise and dedication in helping their customers get the right loan.

Yet what makes Capital Bank a distinctly different type of bank is our entrepreneurial nature and unique approach. We hire only the best, experienced professionals, and empower them to act as owners and partners with our clients in delivering financial solutions invested in our customer’s success. Our biggest asset is the relationship we have with our customers. While we bring expertise and resources to the table, we understand their passion and what drives their vision. We don’t transact — we build trust. We believe that’s what helps us make businesses more valuable, and why we’ve grown.

photo-(15)-smCapital Bank is headquartered on Church Street directly across from the Rockville Metro station in Rockville, Maryland. In addition to our branch at our Church Street address, we have branch offices at 6000 Executive Boulevard, North Bethesda, Maryland, and at 1776 Eye Street with easy access from the Farragut West Metro station’s 18th & I Street exit in Washington, DC.

Capital Bank is a subsidiary of Capital Bancorp, Inc. and a member of the Federal Reserve Bank system. Deposits are insured by the Federal Deposit Insurance Corporation. Capital Bank is an Equal Housing Lender.

Core Values

Capital Bank delivers above-and-beyond dedication and customized solutions that drive our customer’s vision toward reality, so they can stay focused on what’s really important — moving their business and life goals forward.

Demonstrate Professionalism with our Customers

Seek the best for our customers and the Bank

Employ Rigorous and Balanced Risk Management

Build on opportunities and possibilities, while speaking openly regarding doubts and concerns that may affect the business

Act as an Owner

Effectively balance Client, Shareholder, Bank and Community interests

Function as One Team

Address issues directly and respectfully

Drive Operational Excellence

We ensure optimal speed, effectiveness and efficiency

Operate With Uncompromising Integrity

Say what we mean and do what we say we will do, with our clients and each other

Check Loan Status