Capital Bank vs The Exchange Bank

As of Q1 2026, Capital Bank carries a larger commercial real estate loan book than The Exchange Bank, roughly 18.1× the size — $446.1M versus $24.6M. 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 The Exchange Bank at 6.1%. 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.

Neither bank has run past the 300% CRE concentration guideline — Capital Bank is at 269% and The Exchange Bank at 96%. 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.

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 The Exchange Bank). Low nonaccrual levels suggest the existing portfolio is performing and the bank is not preoccupied with problem-loan management.

Of the two, Capital Bank shows recent commercial loans in the county records we track. The absence of recorded activity for the other does not mean it is not lending — it may operate in counties we do not yet cover — but the recorded presence is the harder evidence of an active book.

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.