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Capital Bank was founded in 1995 by a group of Albany-based business people and community leaders. For 15 years, Capital Bank continued to grow and expand to meet the needs of the Capital Region. As a community bank, Capital Bank is proud to offer personal banking and small business loans in Albany, NY and the Capital District. We also have decades of experience in helping first-time home buyers find mortgages in Albany, NY.In 2011, Capital Bank joined forces with a strong community bank in the Southern Tier of New York State. Capital Bank now operates as a division of Chemung Canal Trust Company with convenient offices across the Capital Region.