Capitol National Bank
Lansing, MI
IDRSSD: 285544
Total Assets
$212.53M
Latest filing
Total Deposits
$166.23M
Latest filing
Net Interest Margin
5.32%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Capitol National Bank
200 N Washington Sq
Lansing, MI 48933
Full Service - Brick and Mortar
Updated 01/30/2026Established 11/22/1982FDIC Certificate 16852
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Capitol National Bank (Main) | 200 N Washington Sq | Lansing, MI |
| MERIDIAN BRANCH | 2285 W Grand River Ave | Okemos, MI |
Showing 1 of 1
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 11/22/1982 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 48933 |
| State and County Number | 26065 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 07 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Lansing-East Lansing, MI |
Operational Info
| Number of Employees | 29 |
| Domestic Offices | 2 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 11/22/1982 |
| Primary Insurance Agency | DIF |
| Website | www.capitolnational.com |
| Data Updated | 01/30/2026 |
| CERT | 24199 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $212.53M |
| Total Deposits | $166.23M |
| Total Liabilities | $180.70M |
| Total Equity Capital | $31.83M |
| Net Income | $1.15M |
| Net Loans and Leases | $164.67M |
| Assets Per Employee ($Millions) | $7.08M |
| Bank Premises and Fixed Assets | $3.78M |
| Cash and Balances due from Depository Institutions | $0 |
| Deposits Held in Domestic Offices | $166.23M |
Key Performance Ratios
| Return on Assets (ROA) | 2.22% |
| Return on Equity (ROE) | 14.64% |
| Net Interest Margin | 5.32% |
| Efficiency Ratio | 47.32% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 14.975% |
| Earning Assets to total Assets | 95.22% |
Income and Expense
| Total Interest Income | $3.13M |
| Total Noninterest Income | $157.00k |
| Total Interest Expense | $511.00k |
| Total Noninterest Expense | $1.31M |
| Net Interest Income | $2.62M |
| Pre-tax Net Operating Income | $1.46M |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $10.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $4.48M |
| Total Liabilities and Capital | $212.53M |
Securities
| Securities | $3.37M |
| Available-for-sale debt securities | $3.37M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Capitol National Bank?
$212.53M as of the latest filing.
How much are Capitol National Bank's total deposits?
$166.23M in total deposits.
Where is Capitol National Bank located?
Lansing, MI.
What is the Net Interest Margin?
5.32%.
How many domestic offices does it operate?
2.
When was it established?
11/22/1982.
What is the Return on Assets (ROA)?
2.22%.
How much are total loans and leases?
$164.67M (latest filing).
What is the total interest income (latest filing)?
$3.13M.