SBA lender profile
Capital Bank, National Association
Capital Bank, National Association appears in the public SBA loan data with 1,148 funded 7(a) loans since FY2010, totaling $859.5M, an average of $749K per loan, and an estimated 19,893 jobs supported. Its SBA lending concentrates in North Carolina and the Accommodation and Food Services sector. Across its 7(a) loans, the charge-off rate is 3.8%. 37.5% of its 7(a) loans were processed under delegated PLP authority.
By Mario Bailey · Source: SBA FOIA 7(a) and 504 data, FY2010–2026 (as of 2026-03-31)
- Track record 68
- Scale 93
- Activity 90
- Consistency 86
A relative profile signal from the public SBA record, not a prediction of approval or a guarantee.
Is Capital Bank, National Association the right lender for you?
Lenders fund what they know. Capital Bank, National Association's SBA lending concentrates in North Carolina (101 loans) and Accommodation and Food Services (154 loans), at an average loan of $749K. If your business does not look like that, a different SBA lender is likely the better fit.
See which SBA lenders fund businesses like yours →Ranked on the funded-loan record, not on who pays. Free, and your details go only to the lenders we match you to.
Bank profile
via FDIC- Total assets
- $172M
- Headquarters
- Rockville, MD
- FDIC cert
- #21632
- Status
- Inactive
Where Capital Bank, National Association lends
Top states by funded SBA volume.
| State | Loans | Total volume |
|---|---|---|
| North Carolina | 101 | $107.5M |
| Virginia | 136 | $92.3M |
| Maryland | 165 | $75.4M |
| Texas | 67 | $63.5M |
| California | 88 | $56.1M |
| Florida | 87 | $50.8M |
Metro areas where Capital Bank, National Association funds
What Capital Bank, National Association funds
Top industries by funded SBA volume.
| Industry | Loans | Total volume |
|---|---|---|
| Accommodation and Food Services | 154 | $182.7M |
| Arts, Entertainment, Recreation | 68 | $89.8M |
| Professional and Technical Services | 229 | $83.1M |
| Retail Trade | 92 | $74.8M |
| Manufacturing | 66 | $68.1M |
| Wholesale Trade | 65 | $57.8M |
Capital Bank, National Association SBA lending by year
Funded SBA volume by approval fiscal year (FY2010–2026).
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2010 | 4 | $2.1M |
| 2011 | 10 | $14.3M |
| 2012 | 34 | $34.7M |
| 2013 | 46 | $51.9M |
| 2014 | 60 | $44.2M |
| 2015 | 78 | $91.1M |
| 2016 | 98 | $119.2M |
| 2017 | 58 | $64.6M |
| 2018 | 53 | $26.8M |
| 2019 | 82 | $35.0M |
| 2020 | 135 | $78.4M |
| 2021 | 89 | $61.1M |
| 2022 | 108 | $68.8M |
| 2023 | 116 | $58.6M |
| 2024 | 87 | $46.1M |
| 2025 | 56 | $31.6M |
| 2026 | 34 | $31.1M |
Related SBA lenders
Other lenders active in North Carolina or in Accommodation and Food Services.
Comparing lenders? See how to choose an SBA lender by track record.
Capital Bank, National Association: frequently asked questions
Does Capital Bank, National Association offer SBA loans?
Yes. Capital Bank, National Association appears in the public SBA data with 1,148 funded SBA 7(a) loans totaling $859.5M.
How many SBA loans has Capital Bank, National Association made?
Capital Bank, National Association is associated with 1,148 SBA 7(a) loans totaling $859.5M in the public SBA data (as of 2026-03-31).
What is Capital Bank, National Association's SBA charge-off rate?
About 3.8% of Capital Bank, National Association's 7(a) loans in the data have been charged off. A lower rate is generally a better sign, but it is not a lifetime default rate; see our methodology for how it is calculated.
Where does Capital Bank, National Association do most of its SBA lending?
Capital Bank, National Association's SBA lending in the data is most concentrated in North Carolina, and by industry in Accommodation and Food Services.
Is Capital Bank, National Association an SBA Preferred Lender (PLP)?
The loan record shows Capital Bank, National Association operating under PLP delegated authority: 430 of its 7(a) loans (37.5%) were processed through the Preferred Lenders Program, including 153 in FY2024–2026. The SBA grants and renews PLP status and publishes no public roster, so this is the processing record, not a certification.
This page is the public view of your institution's SBA record: rank, trajectory, and market position, computed from the complete public 7(a)/504 dataset. The full competitive picture (your share against named competitors by state and industry, and the growing markets you're absent from) is available to your team.
Request your institution's benchmarking →Mario Bailey. (2026). Capital Bank, National Association SBA lending profile. SBA Loan Index. https://sbaloanindex.com/lenders/capital-bank-national-association/
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