Capital Bank And Trust Company is a bank based in Irvine, California, established in 2000, with $226 million in total assets across 2 branches. By Trust Grade it ranks 28th of 117 banks we track in California. Its capital ratio of 70.2% is stronger than 100% of similarly sized banks, versus a California median of 11.7%. It was profitable over the most recent period, with a 81.43% return on assets. No consumer complaints against Capital Bank And Trust Company appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Capital Bank And Trust Company compares to California peers
How we graded Capital Bank And Trust Company
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (70.2% capital ratio)
- Strongly profitable (ROA 81.43%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Capital Bank And Trust Company over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (2)
- 50 W Liberty St, Reno, NV 89501
- 6455 Irvine Center Dr, Irvine, CA 92618
Are deposits at Capital Bank And Trust Company insured?
Yes. Capital Bank And Trust Company is an FDIC-insured bank (FDIC certificate #35164). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Capital Bank And Trust Company: frequently asked questions
Is Capital Bank And Trust Company a good bank?
Capital Bank And Trust Company earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (70.2% capital ratio); Strongly profitable (ROA 81.43%).
Is Capital Bank And Trust Company FDIC-insured?
Yes. Capital Bank And Trust Company is a FDIC-insured bank (FDIC certificate #35164). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Capital Bank And Trust Company?
Capital Bank And Trust Company holds $226 million in total assets, ranking 28th of 117 banks we track in California. It operates 2 branches.
Does Capital Bank And Trust Company have CFPB complaints?
No CFPB complaints against Capital Bank And Trust Company appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
