3280 N University Ave
Provo, UT 84604
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Reviewed by bws/esc | April 27, 2023
have had 3 cd accounts. all interactions with instructions for disposition of funds were never exactly enacted as discussed and requests for confirmatory emails never sent with details as terms discussed. I accepted responsibility for miscommunications for first CD screw up but I had the same issues with subsequent CD accounts and in one phone conversation the representative said they had had some problems with previous employees who no longer worked there. if you have any banking business with Limelight I suggest getting ALL details in writing before committing funds.
Capital Community Bank is an FDIC insured institution located in Provo, UT. It was founded in 1993 and has approximately $0.95 billion in assets. Customers can open an account at one of its 5 branches.
FDIC Insured | Yes |
FDIC Certificate | # 33823 |
Date Established | 1993 |
Assets | $ 949.15 million |
Loans | $ 730.89 million |
Deposits | $ 802.99 million |
Capital | $ 135.02 million |
For a more detailed analysis of Capital Community Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.
Your Current Location: Ohio, OH 43085
Online CD Rates | APY | MIN | MAX | |
---|---|---|---|---|
6 Month CD
|
4.65% | $1,000 | - |
Learn More
|
12-Month CD
|
4.50% | $1,000 | - |
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|
18-Month CD
|
4.15% | $1,000 | - |
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|
36 Month Online CD
|
3.95% | $1,000 | - |
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|
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Capital Community Bank
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Lender | APR | Rate (%) | Monthly Payment |
Learn More |
---|---|---|---|---|
NMLS ID: 2578474 |
6.494% |
6.375% 0.88 points $4,010 fees |
$1,997 | Learn More |
NMLS ID: 1025894 |
6.955% |
6.875% 0.63 points $2,594 fees |
$2,103 | Learn More |
NMLS ID: 3030 |
7.325% |
7.250% 0.75 points $2,400 fees |
$2,183 | Learn More |
NMLS ID: 1907 |
points fees |
Learn More |
Lender | APR (%)? | Monthly Payment? | Learn More |
---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR
7.240 %
After Intro: 7.240 % |
$0 |
Learn More
More Info |
Note to Capital Community Bank
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Capital Community Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Branch | Distance | Map | View Lobby Hours |
---|---|---|---|
1519.07 | A | View Lobby Hours | |
1519.49 | B | View Lobby Hours | |
1521.16 | C | View Lobby Hours | |
1522.74 | D | View Lobby Hours |
Capital Community Bank is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.
or use your BestCashCow account
The following ratios and data are available to help you better understand the financial condition of Capital Community Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.
Capital Community Bank | U.S. Bank Average |
---|---|
9.6% | 4.48% |
The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.
As of June 30, 2024, Capital Community Bank had $15,113,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $135,015,000 in equity and $22,348,000 in loans loss reserves. That gives it a Texas Ratio of 9.6%.
Capital Community Bank | U.S. Bank Average |
---|---|
24.59% | 10.46% |
Capital Community Bank has a Return on Equity of 24.59% versus the BestCashCow average of 10.46%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.
Capital Community Bank | U.S. Bank Average |
---|---|
14.22% | 10.84% |
Capital Community Bank has a Capitalization of 14.22% versus the BestCashCow average of 10.84. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.
As of June 30, 2024, Capital Community Bank had assets of $949,154,000, loans of $730,885,000, and deposits of $802,988,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.
ASSETS | |
---|---|
Cash & Balances due from depository institutions | $ 109.39 million |
Interest-bearing balances | $ 90.55 million |
Total securities | $ 50.02 million |
Federal funds sold and reverse repurchase | N.A. |
Net loans and leases | $ 730.89 million |
Loan loss allowance | $ 22.35 million |
Trading account assets | N.A. |
Bank premises and fixed assets | N.A. |
Other real estate owned | N.A. |
Goodwill and other intangibles | $ 0.30 million |
All other assets | $ 24.37 million |
Total Assets | $ 814.14 million |
LIABILITIES | |
---|---|
Total deposits | $ 802.99 million |
Interest-bearing deposits | $ 674.98 million |
Deposits held in domestic offices | $ 802.99 million |
% insured (estimated) | 70.75% |
Federal funds purchased and repurchase agreements | N.A. |
Trading liabilities | N.A. |
Other borrowed funds | $ 36.03 million |
Subordinated debt | N.A. |
All other liabilities | $ 12.82 million |
Total Liabilities | $ 814.14 million |
Shareholders’ Equity | $ 135.02 million |
INCOME AND EXPENSES | |
---|---|
Total Interest Income | $ 65.55 million |
Total Interest Expense | $ 13.29 million |
Net interest income | $ 52.26 million |
Provision for loan and lease losses | $ 15.71 million |
Total non interest income | $ 6.43 million |
Total non interest expense | $ 22.51 million |
Pre-tax Net Operating Income | $ 13.40 million |
The top three loan types in Capital Community Bank’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and Construction and Development Loans.
Compared to other banks in Utah, Capital Community Bank has a significantly higher percent of Multifamily Mortgages on its balance sheet, potentially indicating a specialty in that lending area.
Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.
% Loans |
% Comparison to Other Banks |
|||
---|---|---|---|---|
Low | Med | High | ||
1-4 Family Residential Loans | 1.90 | ✓ | ||
Multifamily Mortgages |
5.67 | ✓ | ||
Credit Card Loans | 0.00 | ✓ | ||
Consumer Auto Loans | 0.00 | ✓ | ||
Small Business Loans | 7.50 | ✓ | ||
Construction and Development Loans | 10.88 | ✓ | ||
Commercial Real Estate | 24.95 | ✓ | ||
Commercial and Industrial Loans | 11.99 | ✓ | ||
Farm Loans | 0.00 | ✓ |
Customer Reviews for Capital Community Bank
bws/esc
April 27, 2023
have had 3 cd accounts. all interactions with instructions for disposition of funds were never exactly enacted as discussed and requests for confirmatory emails never sent with details as terms discussed. I accepted responsibility for miscommunications for first CD screw up but I had the same issues with subsequent CD accounts and in one phone conversation the representative said they had had some problems with previous employees who no longer worked there. if you have any banking business with Limelight I suggest getting ALL details in writing before committing funds.
Is this review helpful? Yes:0 / No: 0
Iman
March 4, 2021
They are liers. Please don't open their credit cards to avoid being taking advantage of!!! I hope they bankrupt SOOOOOON.
Is this review helpful? Yes:2 / No: 0
Tekesevent
February 5, 2020 |
This company refused me any information regarding my loan. They even sent an email saying I had paid off in full despite never having made a payment. I immediately called and was told that I could do nothing since I had paid in full. No amount of arguing with two reps would change this. I finally tracked down a method of payment but never received information for tax purposes or loan installments. I only heard from CC Bank after the initial period of deferred interest and was charged a late fee despite never receiving a statement or acknowledgement of what I already paid. They are frauds and I would never want anyone to go through what I am going through now. They are dishonest to the core. They have also locked me out of online access to my account and ignored requests that I receive paper documentation.
Is this review helpful? Yes:2 / No: 0
Tekesevent
February 5, 2020
This company refused me any information regarding my loan. They even sent an email saying I had paid off in full despite never having made a payment. I immediately called and was told that I could do nothing since I had paid in full. No amount of arguing with two reps would change this. I finally tracked down a method of payment but never received information for tax purposes or loan installments. I only heard from CC Bank after the initial period of deferred interest and was charged a late fee despite never receiving a statement or acknowledgement of what I already paid. They are frauds and I would never want anyone to go through what I am going through now. They are dishonest to the core. They have also locked me out of online access to my account and ignored requests that I receive paper documentation.
Is this review helpful? Yes:1 / No: 0
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