Capital Bank

What Capital Bank does

Capital Bank is a U.S. regional banking institution operating from Coral Gables, Florida, providing a full suite of consumer, small business, commercial, and wealth management financial services. The firmographic data identifies the entity as a for-profit, previously Nasdaq-listed (ticker: CBF) banking company founded in 2010 with 5,001–10,000 employees; the detailed product and operating data provided maps to the broader First Horizon Bank platform that now encompasses the former Capital Bank franchise following the 2017 combination of Capital Bank Financial Corp and First Horizon Corporation. Product architecture spans tiered personal checking (FirstView, SmartView, TotalView), savings vehicles (Money Market, Traditional, CDs), home mortgages and personal lending, a Visa credit card suite (Signature, Platinum, Classic, Secure), small business banking under the BizEssentials line (checking, interest checking, plus variants, Visa business debit/credit), SBA loans with PPP Forgiveness support, and commercial banking products including commercial checking, treasury management (BusinessConnect/TreasuryConnect), cash management with ACH/positive pay/merchant services/remote deposit, payroll solutions, equipment financing, commercial real estate lending, and specialty lending verticals (restaurant, fitness, energy, healthcare, construction, correspondent banking). Wealth management encompasses financial planning, investment services, insurance, private banking, and trust and estate planning via partnerships with LPL Financial, eMoney, and Envestnet.

The technology stack is conventional regional-bank digital infrastructure: FH Connect mobile banking application, online banking with RBOL/MBOL enrollment, BusinessConnect and TreasuryConnect commercial platforms, ClearPath Fast Payments, Zelle P2P integration, and QuickBooks connectivity for small business accounting. Digital banking is positioned as a multi-channel complement to a physical branch network rather than a digital-first proposition.

The business model is a traditional commercial bank revenue stack: net interest income on loans (mortgages, commercial, personal, credit cards) and securities is the primary driver, supplemented by deposit service charges, treasury management fees, wealth advisory fees, and mortgage banking gain-on-sale revenue. GTM is sales-led and segmented across the four business units, with multi-channel reach via branches, phone banking (800-382-5465 personal, 888-382-4968 business), and digital platforms. Growth has historically combined organic regional expansion with serial community-bank acquisitions (Southern Community Financial 2012, TIB Financial 2012, CommunityOne Bank 2016), targeting scale and footprint in southeastern U.S. markets.

Name

Capital Bank

Legal name

First Horizon Bank

Website

https://capitalbank-us.com

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

5,001–10,000 employees

Short description

Capital Bank is a U.S. regional banking institution headquartered in Coral Gables, Florida, serving consumer, small business, commercial, and wealth management clients through a full-service branch and digital banking platform across the southeastern United States.

Ownership category

akta.pro rank

Product category

Commercial Banking

NAICS

Commercial Banking (522110)

SIC

National Commercial Banks (6021)

akta.pro primary industry

General SME & Middle-Market Commercial Banking (FSABABAA)

akta.pro secondary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

Keywords

• Commercial banking
• Retail banking
• Wealth management
• Treasury management
• Small business lending

Headquarters

HQ city

Coral Gables

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Net Interest Income: Interest earned on loans (mortgages, commercial loans, personal loans, credit cards) and investment securities, offset by interest paid on deposits. Core revenue driver for regional banks.
2. Non-Interest Income - Service Charges: Fees from deposit account maintenance, overdraft fees, ATM fees, wire transfer fees, and account analysis fees on commercial accounts.
3. Wealth Management Fees: Advisory fees from financial planning, investment management, insurance products, and trust services through First Horizon Advisors.
4. Treasury Management Fees: Cash management, merchant services, payroll processing, ACH services, and lockbox services for commercial clients.
5. Mortgage Banking Revenue: Gain on sale of mortgage loans originated through the bank's mortgage channel, including servicing rights.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels5 records

Core offering

Capital Bank, now operating as First Horizon Bank following acquisition by First Horizon Corporation, is a regional bank delivering a full suite of consumer, small business, commercial and specialty banking, and wealth management services. Core offerings span deposit accounts, consumer and commercial lending, treasury management, specialty industry financing, digital banking, and advisory/wealth services through physical branches and online and mobile channels.

Product overview

First Horizon Bank is a regional banking institution offering a comprehensive, multi-tiered platform of financial products and services. The core offering consists of personal, small business, commercial, and wealth management banking divisions. Personal banking includes multiple checking tiers (FirstView, SmartView, TotalView), savings vehicles (Money Market, Traditional, CDs), mortgage and personal lending products, and a full suite of Visa credit cards ranging from secured to premium Signature tier. Digital banking is delivered through online services and a dedicated mobile application. Small business banking offers BizEssentials checking accounts with interest and plus variants, SBA loans, and cash management tools including ACH services, payroll solutions, and QuickBooks integration. Commercial and specialty banking provides treasury management, industry-specific lending, commercial real estate financing, equipment leasing, international services, and correspondent banking capabilities. Wealth management encompasses financial planning, investment services, insurance, private banking, trust and estate planning, and corporate retirement plan administration. The company positions itself as combining 'big bank reach' with 'small bank roots' through relationship-based service alongside digital banking capabilities.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Checking Accounts (FirstView, SmartView, TotalView) Tiered personal checking accounts ranging from basic to premium, providing online and mobile access, bill pay, and account management for individual consumers.
• Savings and CDs (Money Market, TotalView Money Market, Traditional Savings, Regular CD)
• Home Loans and Home Equity Line of Credit
• Personal Loans and Auto Loans
• Consumer Credit Cards (Visa Signature, Platinum Visa, Visa Classic, Visa Classic Secure)
• Digital Banking Services and Mobile App
• BizEssentials Small Business Checking (Checking, Interest Checking, Plus)
• Small Business Lending (SBA Loans, Lines of Credit, Term Loans, Real Estate Loans, Accounts Receivable Funding, Equipment Leasing)
• Cash Management and Payroll Solutions
• Visa Business Debit Card and Visa Small Business Card
• Commercial Checking and TreasuryConnect / BusinessConnect
• Treasury Management Services
• Equipment Financing and Commercial Real Estate Lending
• Specialty Lending (Restaurant, Fitness, Energy, Healthcare, Construction, Correspondent, Mortgage Warehouse)
• International Services
• Wealth Management: Financial Planning and Investment Services
• Private Banking, Trust and Estate Planning, Insurance
• Corporate Retirement Plan Services

Named customers1 record

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature4 records

Partnerships

Four partnerships are on record, tiered core and minor.

• ZellecoreTechnology or IntegrationIntegrated peer-to-peer payment capability within digital banking platform, enabling real-time money transfers between bank accounts for consumer and small business customers.
• CDARS (Certificate of Deposit Account Registry Service)coreTechnology or IntegrationICMA-RC administered service enabling deposit insurance coverage beyond FDIC limits by distributing deposits across network of member banks. Offered for personal CDs, business CDs, and jumbo CDs.
• SBA (Small Business Administration)coreStrategic or Co-development PartnerSBA Preferred Lender providing SBA 7(a) and other SBA loan programs including PPP Forgiveness for eligible small business borrowers. SBA loans FAQ and forgiveness resources available.
• LPL FinancialminorStrategic or Co-development PartnerWealth management platform integration for investment services. Account View login available through bank website for LPL-managed investment accounts.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Pinnacle Financial Partners: US regional bank with consumer, small business, and commercial banking plus wealth management — comparable mid-tier size and full-service product mix in the Southeast US.
• Cadence Bank: US regional bank serving consumers, businesses, and commercial clients across the Southeast, Texas, and Mid-South — directly comparable size, customer segments, and product mix.
• Truist Financial: Super-regional US bank formed via consolidation with comparable product breadth (consumer, small business, commercial, wealth) and a Southeast/Mid-Atlantic geographic footprint overlapping Capital Bank's core markets.
• KeyCorp: US regional bank with consumer, small business, and commercial banking plus investment management — comparable product surface and customer segmentation.
• Regions Financial: US regional bank serving consumers, small businesses, and commercial clients across the Southeast — directly comparable geographic overlap, customer segments, and product mix (consumer deposits, SBA lending, treasury management, wealth management).
• Synovus Financial: US regional bank with deep Southeast footprint in Georgia, Florida, Carolinas, and Tennessee — directly comparable geographic concentration and consumer/commercial banking product mix.
• Fifth Third Bank: Mid-sized US regional bank with consumer, commercial, and wealth segments plus specialty commercial verticals — comparable segment mix and a similar mid-tier consolidation strategy.
• M&T Bank: US regional bank with full-service consumer, business, and commercial banking plus wealth management — comparable business model and customer segmentation, though Northeast-geographic footprint differs.
• Huntington Bancshares: Mid-sized US regional bank emphasizing consumer, small business, and middle-market commercial banking with strong digital platforms — comparable business model and scale to Capital Bank.

Broad incumbents

• First Horizon National Corporation: The acquirer of Capital Bank and a substantially larger Southeast US regional bank operating consumer, small business, commercial, specialty, and wealth segments — directly relevant as the consolidator that absorbed Capital Bank.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks4 records

Key highlights5 records

Customer concentration

• Facebookfacebook.com/CapitalBankUS
• LinkedInlinkedin.com/company/capital-bank

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

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

M&A3 records

Investments2 records

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

Frequently asked questions about Capital Bank