Capstar Bank Mortgage Rates, Fees & Info
Nashville, TNLEI: 549300CF5UDGUFHYM827
Tax ID: 26-0189349
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Mortgage Data
Bank Data
Review & Overview
Capstar Bank is a smaller bank specializing in various types of mortgages.We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.27% | 4/21/24 |
| 30 Year Conventional Purchase | 6.57% | 4/21/24 |
| 30 Year Conventional Refi | 6.51% | 4/21/24 |
| 30 Year Cash-out Refi | 6.71% | 4/21/24 |
| 30 Year FHA Purchase | 7.12% | 4/21/24 |
| 30 Year FHA Refi | 8.01% | 4/21/24 |
| 30 Year VA Purchase | 6.20% | 4/21/24 |
| 30 Year VA Refi | 6.45% | 4/21/24 |
| 30 Year USDA Purchase | 6.54% | 4/21/24 |
| 15 Year Conventional Purchase | 6.09% | 4/21/24 |
| 15 Year Conventional Refi | 6.33% | 4/21/24 |
| 15 Year Cash-out Refi | 6.33% | 4/21/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
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Originations
0Origination Dollar Volume (All Markets)
$0Employee count
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Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| CapStar Bank | 101 Springhouse Court Hendersonville, TN 37075 | Full Service B&M | $93,457 |
| CapStar Bank | 1201 Demonbreun Street Suite 700 Nashville, TN 37203 | Full Service B&M | $736,201 |
| CapStar Bank | 2321 Crestmoor Road Nashville, TN 37215 | Full Service B&M | $183,061 |
| CapStar Bank | 5500 Maryland Way, Suite 130 Brentwood, TN 37027 | Full Service B&M | $96,841 |
| CapStar Bank | 885 Greenlea Boulevard Gallatin, TN 37066 | Full Service B&M | $51,403 |
For 2018, Capstar Bank had 5 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $67,780 |
| Net interest income | $51,691 |
| Total noninterest income | $15,458 |
| Gross Fiduciary activities income | $0 |
| Service charges on deposit accounts | $2,150 |
| Trading account gains and fees | $132 |
| Additional Noninterest Income | $13,176 |
| Pre-tax net operating income | $11,874 |
| Securities gains (or losses, -) | $3 |
| Income before extraordinary items | $10,468 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $10,468 |
| Minority interest net income | $0 |
| Net income | $10,468 |
| Sale, conversion, retirement of capital stock, net | $1,634 |
| Net operating income | $10,465 |
Capstar Bank's gross interest income from loans was $67,780,000.
Capstar Bank's net interest income from loans was $51,691,000.
Capstar Bank's fee based income from loans was $2,150,000.
Capstar Bank's net income from loans was $10,468,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $16,089 |
| Provision for credit losses | $2,842 |
| Total noninterest expense | $52,433 |
| Salaries and employee benefits | $28,056 |
| Premises and equipment expense | $3,132 |
| Additional noninterest expense | $21,245 |
| Applicable income taxes | $1,409 |
| Net charge-offs | $4,450 |
| Cash dividends | $1,225 |
Capstar Bank's interest expense for loans was $16,089,000.
Capstar Bank's payroll and benefits expense were $28,056,000.
Capstar Bank's property, plant and equipment expenses $3,132,000.
Loan Performance
| Type of Loan | % of Loans Noncurrent (30+ days, end of period snapshot) |
|---|---|
| All loans | 0.0% |
| Real Estate loans | 0.0% |
| Construction & Land Development loans | 0.0% |
| Nonfarm, nonresidential loans | 0.0% |
| Multifamily residential loans | 0.0% |
| 1-4 family residential loans | 0.0% |
| HELOC loans | 0.0% |
| All other family | 0.0% |
| Commercial & industrial loans | 0.0% |
| Personal loans | 0.0% |
| Credit card loans | 0.0% |
| Other individual loans | 0.0% |
| Auto loans | 0.0% |
| Other consumer loans | 0.0% |
| Unsecured commercial real estate loans | 0.0% |
Deposits
| Type | Value (in 000's) |
|---|---|
| Total deposits | $1,589,925 |
| Deposits held in domestic offices | $1,589,925 |
| Deposits by Individuals, partnerships, and corporations | $1,235,914 |
| Deposits by U.S. Government | $3 |
| Deposits by States and political subdivisions in the U.S. | $207,057 |
| Deposits by Commercial banks and other depository institutions in U.S. | $146,952 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $744,445 |
| Demand deposits | $520,457 |
| Nontransaction accounts | $845,481 |
| Money market deposit accounts (MMDAs) | $446,374 |
| Other savings deposits (excluding MMDAs) | $50,680 |
| Total time deposits | $348,427 |
| Total time and savings deposits | $1,069,469 |
| Noninterest-bearing deposits | $308,049 |
| Interest-bearing deposits | $1,281,876 |
| Retail deposits | $1,361,000 |
| IRAs and Keogh plan accounts | $31,882 |
| Brokered deposits | $107,159 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $1,963,383 |
| Cash & Balances due from depository institutions | $94,681 |
| Interest-bearing balances | $76,714 |
| Total securities | $247,542 |
| Federal funds sold & reverse repurchase | $10,762 |
| Net loans and leases | $1,475,300 |
| Loan and leases loss allowance | $12,113 |
| Trading account assets | $494 |
| Bank premises and fixed assets | $18,526 |
| Other real estate owned | $988 |
| Goodwill and other intangibles | $47,845 |
| All other assets | $67,245 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $1,963,383 |
| Total Liabilities | $1,729,120 |
| Total deposits | $1,589,925 |
| Interest-bearing deposits | $1,281,876 |
| Deposits held in domestic offices | $1,589,925 |
| % insured (estimated) | $51 |
| Federal funds purchased and repurchase agreements | $1,509 |
| Trading liabilities | $494 |
| Other borrowed funds | $125,000 |
| Subordinated debt | $0 |
| All other liabilities | $12,192 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $1,475,300 |
| Loan and leases loss allowance | $12,113 |
| Total loans and leases (domestic) | $1,487,413 |
| All real estate loans | $1,036,279 |
| Real estate loans in domestic offices | $1,036,279 |
| Construction and development loans | $174,670 |
| Residential 1-4 family construction | $23,701 |
| Other construction, all land development and other land | $150,969 |
| Loans secured by nonfarm nonresidential properties | $516,302 |
| Nonfarm nonresidential secured by owner-occupied properties | $141,864 |
| Commercial real estate & other non-farm, non-residential | $374,438 |
| Multifamily residential real estate | $55,611 |
| 1-4 family residential loans | $278,674 |
| Farmland loans | $11,022 |
| Loans held in foreign offices | $0 |
| Farm loans | $18 |
| Commercial and industrial loans | $404,529 |
| To non-U.S. addressees | $6,119 |
| Loans to individuals | $25,614 |
| Credit card loans | $0 |
| Related Plans | $6,727 |
| Consumer Auto Loans | $5,291 |
| Other loans to individuals | $13,596 |
| All other loans & leases | $21,072 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $17,341 |
| Loans to depository institutions and acceptances of other banks | $0 |
| Loans not secured by real estate | $3,810 |
| Loans secured by real estate to non-U.S. addressees | $0 |
| Restructured Loans & leases | $2,947 |
| Non 1-4 family restructured loans & leases | $2,947 |
| Total loans and leases (foreign) | $0 |
CapStar Bank had $1,475,300,000 of loans outstanding in 2018. $1,036,279,000 of loans were in real estate loans. $174,670,000 of loans were in development loans. $55,611,000 of loans were in multifamily mortgage loans. $278,674,000 of loans were in 1-4 family mortgage loans. $18,000 of loans were in farm loans. $0 of loans were in credit card loans. $5,291,000 of loans were in the auto loan category.
Small Business Loans
| Categorization | # of Loans in Category | $ amount of loans (in 000's) | Average $/loan |
|---|---|---|---|
| Nonfarm, nonresidential loans - <$1MM | 264 | $75,608 | $286,394 |
| Nonfarm, nonresidential loans - <$100k | 56 | $2,379 | $42,482 |
| Nonfarm, nonresidential loans - $100-250k | 81 | $10,153 | $125,346 |
| Nonfarm, nonresidential loans - $250k-1MM | 127 | $63,076 | $496,661 |
| Commercial & Industrial, US addressed loans - <$1MM | 559 | $60,073 | $107,465 |
| Commercial & Industrial, US addressed loans - <$100k | 270 | $5,416 | $20,059 |
| Commercial & Industrial, US addressed loans - $100-250k | 129 | $12,061 | $93,496 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 160 | $42,596 | $266,225 |
| Farmland loans - <$1MM | 20 | $3,091 | $154,550 |
| Farmland loans - <$100k | 5 | $199 | $39,800 |
| Farmland loans - $100-250k | 8 | $1,130 | $141,250 |
| Farmland loans - $250k-1MM | 7 | $1,762 | $251,714 |
| Agriculture operations loans - <$1MM | 1 | $18 | $18,000 |
| Agriculture operations loans - <$100k | 1 | $18 | $18,000 |