Capital Bank: A Division of Chemung Canal Trust Company

About Capital Bank

Something was missing from Capital Region banking.
So we decided to do something about it.

Yes, we are Capital Bank, not Capital One (though we enjoy their commercials). We are a commercial bank, which opened for business on Wolf Road in the Town of Colonie in December of 1995. The Bank was founded by a group Albany-based business people and community leaders. The founders believed that the trend of consolidation and mergers in the banking industry was likely to continue and, in time, only a few banks would remain headquartered in the region. They believed there was a niche for a de novo (new) commercial bank in the Capital Region.

Over the last twelve years, the forecast of the founders has come to fruition, as today Capital Bank is a strong and growing commercial bank with five local branches, and is now the only bank headquartered in the City of Albany and Albany County.

Does being a “local” bank matter?

Our perspective is that with a Board of Directors and management team comprised of residents of the Capital Region we are well situated to understand the challenges and opportunities associated with living in the region. While others claim that being “local” is reason alone to do business with them, our position is that being a local bank is no advantage, if you fail to deliver on your promises to your customers. Fortunately for us, the officers and employees of Capital Bank realize that meeting, and then exceeding customers’ expectations is the key to our success.

In banking, bigger is better, right?

It can be, but sometimes bigger is just, well, bigger. Having said that, we recognize that for some customers the larger, multi-billion dollar banks are the right fit. Many of Capital Bank’s officers and branch managers have come from the ranks of these larger financial supermarkets, so we can attest that they employ some very talented bankers. However, with our seasoned bankers in place and a full array of products and services to offer to individuals and business owners, we believe we are well positioned to compete with even the largest banks.

Now that you have learned something about us we are hoping that you will begin a relationship with us. In fact, we are banking on it.


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