CapitalSource Inc. (NYSE:CSE), through its wholly-owned subsidiary CapitalSource Bank, makes commercial loans to small and middle-market businesses nationwide and offers depository products and services in 21 retail branches in southern and central California. CapitalSource is headquartered in Los Angeles, CA and had total assets of $8.9 billion and total deposits of $6.1 billion as of December 31, 2013.
Since our founding in 2000, CapitalSource has built on a foundation of commercial lending that harnesses specialized expertise in focused markets. With our proven asset origination platform and end-to-end control of the lending and underwriting processes, our lending strength lies in our effective loan process, industry expertise, national origination platform, thorough credit work, strong management, and access to balance-sheet liquidity at CapitalSource Bank. A successful pairing of the CapitalSource nationwide small business and middle-market lending platform with a well-capitalized California depository began in in 2008 when CapitalSource Bank was formed. Today, CapitalSource Bank, an FDIC-insured depository, has $6.1 billion in deposits.
With the success of CapitalSource Bank, our commercial lending power has been strengthened dramatically. CapitalSource emphasizes specialty lending across a diverse group of business areas. We make senior secured asset backed, cash flow and real estate loans up to $100 million. Having worked within the industries we serve, our deal professionals intimately understand our clients’ individual needs and the complexities of their businesses. That insight allows us to better respond to our clients' unique financial situations with customized lending solutions. Whether you need working capital or funds to acquire or revitalize a business, you can depend on our fundamental strengths to assure your success: secure access to capital, efficient execution of loans, customized financing solutions, and attention to your unique financial needs.
CapitalSource Bank provides a solid, safe and stable option for our California retail banking customers. The bank has approximately $8.1 billion in assets and a total risk-based capital ratio of 16.29%, which is significantly higher than the required 10% to be considered “well-capitalized” by our regulatory agencies.
We are committed to anticipating our clients’ needs and exceeding their expectations. Our goal is to treat all of our clients and customers with the personal service you expect, along with the reliability and expertise you depend upon. We go out of our way to make working with us everything you want it to be. A satisfied customer is just not enough—we want our customers to become our advocates.
CapitalSource Bank was ranked #2 (in the $3B to $10B in assets category) in American Banker's Best Banks to Work For ranking, which highlights institutions with strong cultures & the ability to make employees feel valued and engaged.
CapitalSource was awarded Miriam's Kitchen 2010 Corporate Bowl of Compassion Award in recognition of outstanding support of Miriam's Kitchen at their annual fundraiser–100 Bowls of Compassion.
Forbes.com (2009); CapitalSource made Forbes' Global 2000, the publication's annual ranking of the biggest worldwide companies.
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