Capital Bank vs Farmers & Merchants State Bank

As of Q1 2026, Capital Bank carries a larger commercial real estate loan book than Farmers & Merchants State Bank, roughly 3.2× the size — $446.1M versus $139.7M. CRE book size is one gauge of how much lending capacity a bank is actively deploying, though a bigger book is not automatically better for a borrower; what matters is whether the bank is still growing that book and how concentrated it has become.

Both banks are growing their CRE books quarter over quarter — Capital Bank at 2.0% and Farmers & Merchants State Bank at 1.3%. A bank actively expanding its commercial real estate balance is generally still open to new originations, which is favorable for a borrower in the market today.

Farmers & Merchants State Bank is further up the concentration curve at 463% — past the 300% supervisory guideline — while Capital Bank sits lower at 269% with more balance-sheet capacity to keep lending. A borrower may find the less-concentrated bank more receptive to new credit, though concentration is only one of several appetite signals.

Both books look healthy on asset quality — nonaccrual CRE loans sit below 0.5% of the CRE book at each bank (0% for Capital Bank, 0% for Farmers & Merchants State Bank). Low nonaccrual levels suggest the existing portfolio is performing and the bank is not preoccupied with problem-loan management.

County recorded documents show both lenders actively closing commercial loans — 18 recent for Capital Bank and 2 for Farmers & Merchants State Bank. Capital Bank shows the heavier recent activity in the records we track. Filed deeds of trust are the ground truth of a closed, secured loan, so a presence here confirms the bank is writing business, not just quoting it.

The short version: Capital Bank runs the larger CRE book. The right lender for any specific deal still depends on property type, sponsorship, and the current terms each is quoting — the table above and each bank's full profile carry the detail.