Capital Bank vs Jefferson Bank

As of Q1 2026, Jefferson Bank carries a larger commercial real estate loan book than Capital Bank, roughly 2.2× the size — $981.2M versus $446.1M. 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.

Their trajectories diverge: Capital Bank is growing its CRE book (2.0% quarter over quarter) while Jefferson Bank is contracting (0.8%). For a borrower weighing the two, the expanding lender is the more likely to be competing for new business right now.

Neither bank has run past the 300% CRE concentration guideline — Capital Bank is at 269% and Jefferson Bank at 243%. Banks well below the guideline typically have more room to keep adding commercial real estate loans, which tends to mean more competitive pricing and terms for borrowers.

Jefferson Bank carries a higher nonaccrual CRE ratio (1% of its CRE book, versus 0% at the other). Rising nonaccruals consume management attention and provisions and often precede tighter credit standards — a useful caution flag when comparing the two as a potential lender.

County recorded documents show both lenders actively closing commercial loans — 18 recent for Capital Bank and 3 for Jefferson 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: Jefferson 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.