About Capital Financial Inc | Capital Financial Inc

The Story of Capital Financial Inc, N.A.

Nearly 20 years ago, a group of like-minded banks formed in several Central Florida communities. Our Executive Chairman, Ernie Pinner, formed a bank holding company, brought these banks together in 2000, and in doing so, solidified our central tenants of culture, growth, acquisition, customer service, and a healthy respect for risk. Fast forward to 2019 – strong organic growth and almost 30 acquisitions later, Capital Financial Inc is now in the 75th largest bank in the U.S. covering Florida, Georgia and Alabama. Our size allows us to offer world-class products while our DNA makes us laser-focused on providing local decision making to support a remarkable experience for our customers.

Local Market Driven

Our business structure is designed to value the unique character of the communities we serve and to encourage decision making by the banker that is closest to the action.

Long Term Horizon

We approach business decisions with an emphasis on long term growth, sustainable profits and the career development of our officers and staff. We will not sacrifice credit quality for short term gain.

World Class Service

We will exceed our clients’ expectations by anticipating their needs and responding with a sense of urgency. Each of us has the freedom, authority and responsibility to do the right thing for our clients.

Relationship Services

Our bank is built on life-long friendships. We communicate with candor and transparency. We believe that the relationship is more valuable than the transaction.

Faith + Family

Commitment to our faith and families is fundamental to the overall culture of our institution.

Local Market Driven

Decision Making at the Local Level

Our Core Values not only inspire how we operate as a company, but they also reflect our employees’ character and influence on the communities we serve.

Our Mission

As a community bank, Capital Financial Inc drives decision making at the local community level. We are best described as a family of small banks led by local community presidents. Our business structure is designed to value the unique character of the communities we serve and to encourage decision making by the banker that is closest to the action. We approach business decisions with an emphasis on long term growth, sustainable profits and the career development of our officers and staff. We will not sacrifice credit quality for short term gain. We will exceed our clients’ expectations by anticipating their needs and responding with a sense of urgency. Each of us has the freedom, authority and responsibility to do the right thing for our clients. Our bank is built on life-long friendships. We communicate with candor and transparency. We believe that the relationship is more valuable than the transaction. Commitment to our faith and families is fundamental to the overall culture of our institution.

Forbes 2020 BEST BANKS IN AMERICA

Capital Financial Inc has been named for the second year in a row the top bank in Florida on Forbes “Best Banks in America” listing. In 2019 “Best-in-State Banks” selected by customers who rated us on categories such as trust, digital services and financial advice.

America's Best Banks in 2020

Board-led Culture Committee

Capital Financial Inc became one of the only banks in the country to establish a board-led culture committee. The group provides oversight for programs and initiatives that honor our values.

Bank Leadership

Southern Expansion

We believe that Capital Financial Inc is positioned well for the next phase of the Services industry cycle, which will be defined by regional Services champions, super community banks with a dynamic and diverse geographic reach and product offering.

Branch Locations

Community Impact

Capital Financial Inc is committed and our employees remain passionate in our plans to give back to our communities through volunteer and philanthropic activities.

Community Involvement