What Capital Bank does

Capital Bank is a privately-held community bank founded in 1965 and headquartered in Houston, Texas, operating under a state charter with Texas Department of Banking oversight and FDIC insurance. The bank operates eight full-service branch locations across the Houston metropolitan area, including Jacinto City, Pearland, Pasadena, Baytown, Deer Park, Sugar Land, Katy, and Clear Lake, serving both consumer and small-to-medium business customers. As of December 31, 2025, Capital Bank held $673,384,355 in total assets, $570,717,090 in loans and leases, and $589,649,023 in total deposits.

The bank's core technology infrastructure is built on a Fiserv-powered online banking platform with native iOS and Android mobile applications, supplemented by third-party integrations including Zelle for P2P payments, CardValet for debit card management, Citrix ShareFile for secure document transfer, CoNetrix for commercial e-banking risk assessment, and the Allpoint Network for access to over 55,000 surcharge-free ATMs. Capital Bank holds SBA Preferred Lender status and offers a comprehensive product suite spanning consumer deposits (checking, savings, CDs, IRAs), consumer lending (personal, auto, home equity, HELOC, mortgage), business banking (multiple checking tiers, savings, money market), commercial cash management (Premium and Standard tiers with ACH origination, Remote Deposit Capture, Positive Pay, wire transfers, account sweeps, zero balance accounts), business lending (installment, lines of credit, SBA, real estate and construction), and merchant services.

Capital Bank generates revenue through two primary streams: net interest income from its $570.7M loan portfolio and $589.6M deposit base, and non-interest income from deposit fees (overdraft at $35/item, wire transfers at $10-$45), subscription-based My Rewards debit card programs ($9.95-$19.95 monthly across Gold, Platinum, and Business Platinum tiers), merchant services, safe deposit box rentals, cash management service fees, and payroll card services through a partnership with The Independent Bankers Bank. The bank is led by President and CEO Linden Goehring and markets itself through a community-focused relationship banking model emphasizing local decision-making and personalized service across the Houston metro area.

Name

Capital Bank

Legal name

Capital Bank

Website

https://capitalbanktx.com

Company type

Private

Founded year

1965

Operating status

Operating

Headcount range

51–100 employees

Short description

Capital Bank is a privately-held community bank founded in 1965 in Houston, Texas, operating eight branches across the Houston metro area. It offers consumer and SMB deposit products, lending (including SBA), cash management, and merchant services to individuals and small-to-medium businesses.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (522110), Depository Credit Intermediation (5221)

SIC

State Commercial Banks (6022)

akta.pro primary industry

SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC)

akta.pro secondary industries

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA), SME Business Lending (Term Loans, Lines of Credit, Overdrafts) (FSABABAB), Real Estate (Commercial Property, REITs) (FSABACAH)

Keywords

• Community banking
• Commercial lending
• Consumer deposits
• Business cash management
• SBA lending

Headquarters

HQ city

Houston

HQ country

United States

HQ region

North America

Offices9 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Others

Revenue model

1. Interest Income: Primary revenue from interest earned on loans and leases including consumer loans, business loans, SBA loans, real estate loans, home equity loans, and mortgage loans. Interest-bearing deposits also generate income.
2. Non-Interest Income - Deposit Fees: Monthly maintenance fees, transaction fees, overdraft fees, returned item fees, wire transfer fees, stop payment fees, and account analysis fees for business checking accounts.
3. Merchant Services: Credit card processing fees from business customers, with claims of saving over 80% of customers money on credit card processing.
4. Debit Card Rewards Program: Monthly fees for My Rewards debit card tiers: $9.95 for Gold, $14.95 for Platinum, and $19.95 for Business Platinum.
5. Safe Deposit Box Rentals: Annual rental fees for safe deposit boxes in various sizes.
6. Cash Management Services: Fees for premium cash management services including wire transfers, ACH origination, and business mobile deposit capture.
7. Payroll Card Services: Revenue from payroll card program partnership with The Independent Bankers Bank (TIB) for businesses.

Pricing tiers

Go-to-market motion1 record

Distribution channels7 records

Marketing channels6 records

Core offering

Capital Bank is a Texas-chartered community bank offering deposit products (checking, savings, money market, CDs, IRAs), consumer and business lending (personal loans, auto/boat/RV, home equity, HELOC, mortgage, SBA 7(a)/504, business lines of credit, commercial real estate and construction), card services including My Rewards debit programs, and digital banking (online, mobile, Zelle P2P, digital wallets). It operates through 8 Houston-area branches, a Fiserv-powered digital platform, and the Allpoint Network for 55,000+ surcharge-free ATMs.

Product overview

Capital Bank is a community bank headquartered in Houston, TX, offering a comprehensive suite of personal and business banking products. The core digital banking platform consists of Mobile Banking and Online Banking apps providing 24/7 account access, mobile deposits, transfers, and bill pay. For business customers, Cash Management Services (offered in Standard and Premium tiers) provides advanced features including Positive Pay fraud detection, ACH Origination, Remote Deposit Capture, account sweeps, zero balance accounts, and investment sweeps. The bank offers deposit products including checking accounts (Capital Checking, Capital Gold, Capital NOW for personal; Small Business, Business, Commercial, Capital NOW Business for business), savings accounts, tiered money market accounts, and CDs. Lending products span consumer loans (personal, auto, home equity, HELOC, mortgage), business loans (installment, vehicle, lines of credit, SBA preferred lender, real estate/construction), and retirement accounts (Traditional, Roth, Education, Rollover IRAs). Card products include My Rewards Platinum/Gold/Business Platinum debit cards with rewards programs and chip technology. Payment integrations include Zelle P2P payments, Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, and Garmin Pay digital wallets. Additional services include merchant services, payroll cards, safe deposit boxes, and ATM access through Allpoint Network (55,000+ locations).

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Checking Accounts
• Business Checking Accounts
• Personal Savings Accounts
• Business Savings and Money Market Accounts
• Individual Retirement Accounts (IRAs)
• Mobile Banking
• Online Banking
• Premium Cash Management
• Standard Cash Management
• Business Installment Loan
• Business Purpose Vehicle Loan
• Business Line of Credit
• SBA Loans
• Real Estate and Construction Loans
• Personal Installment Loan
• Automobile, Truck, Boat and Recreational Vehicle Loan
• Home Equity Loan
• Home Equity Line of Credit (HELOC)
• Home Improvement Loan
• Mortgage Loans
• My Rewards Platinum Debit Card
• My Rewards Gold Debit Card
• My Rewards Business Platinum Debit Card
• Merchant Services
• Payroll Cards
• Safe Deposit Boxes
• Capital Connection Telephone Banking

Quantifiable outcome

• Over 55,000 surcharge-free ATMs available through Allpoint Network partnership
• +4 more outcomes

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration11 records

Feature10 records

Partnerships

Five partnerships are on record, tiered core.

• Allpoint NetworkcoreStrategic or Co-development PartnerCapital Bank is a member of the Allpoint Network, providing customers access to over 55,000 surcharge-free ATMs worldwide. This partnership allows Capital Bank customers to access cash at major retail locations including Target, CVS/pharmacy, Walgreens, Kroger, Costco, and Circle K without surcharge fees.
• FiservcoreTechnology or IntegrationFiserv serves as the Internet financial service provider for Capital Bank's online banking platform. Fiserv collects certain customer information to provide banking services online and for security and statistical purposes, including IP addresses, browser information, operating system data, and login credentials.
• U.S. Small Business Administration (SBA)coreStrategic or Co-development PartnerCapital Bank is a preferred SBA lender offering several SBA loan programs for small businesses seeking financing. SBA loans provide an ideal way to grow and expand businesses through programs like SBA 7(a) for working capital, real estate purchase, equipment financing, business acquisition, and franchise financing.
• Citrix Systems (ShareFile)coreTechnology or IntegrationCapital Bank has implemented Citrix Systems, Inc. ShareFile solution to allow secure transmission of customer files and information. ShareFile enables document uploads for loan and cash management without email file size limitations or concerns about sensitive personal or business data security.
• Early Warning Services (Zelle)coreTechnology or IntegrationCapital Bank offers Zelle person-to-person payment services through partnership with Early Warning Services, LLC. Zelle enables customers to send and receive money directly between bank accounts using email addresses or mobile phone numbers, with transactions typically occurring in minutes.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Texas Capital Bank: Large Texas-headquartered commercial bank serving middle-market businesses with cash management, capital markets, and lending services; broader portfolio but a useful scale and business-banking comparable.
• Frost Bank: Major Texas regional bank with deep Houston presence, full-service consumer and commercial banking, and well-developed digital capabilities — competing incumbent in Capital Bank's primary market.
• Prosperity Bancshares: Large Texas community banking franchise with extensive Houston-area branch coverage, commercial and consumer lending, and deposit gathering — direct geographic and product competitor at much larger scale.
• Cadence Bank: Mid-sized regional bank with strong Houston and Texas presence, offering commercial banking, treasury management, and SBA lending that overlaps Capital Bank's SMB and CRE focus areas.
• Comerica Bank: Large regional bank historically anchored in Dallas and Houston, with significant middle-market and small-business banking presence — broader portfolio but a key Houston incumbent.
• IBC Bank (International Bancshares): Texas-based commercial and retail banking franchise with Houston-area branches serving consumers and small businesses via deposit products, lending, and treasury services — overlapping community bank model at larger scale.

Direct peers

• Independent Bank Group: Texas-based community bank holding company serving small and medium-sized businesses and consumers through branches across the Dallas-Fort Worth, Houston, and Austin markets — directly comparable footprint and product mix.
• Veritex Community Bank: Texas-headquartered community bank focused on business and consumer banking across the Dallas-Fort Worth and Houston metros, with similar SBA, CRE, and cash management offerings; closest comparable in scale and model to Capital Bank.
• Business First Bancshares: Mid-sized Texas community bank focused on commercial banking, treasury management, and SBA lending in Houston and other Louisiana/Texas metros — closely matches Capital Bank's SMB lending and deposit franchise.

Emerging players

• LendingClub Bank: Digital-first bank offering consumer deposit products, small-business loans, and SBA lending; overlaps with Capital Bank's deposit and small-business credit offerings via a different (fintech-led) distribution model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xtwitter.com/capitalbanktx
• Facebookfacebook.com/CapitalBankTX
• LinkedInlinkedin.com/company/capitalbanktx
• Instagraminstagram.com/capitalbanktx

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Capital Bank