Capital Bank Financial Corp. operates as the bank holding company for Capital Bank, National Association that provides various commercial and consumer banking products and services in the southeastern region of the United States. It offers various deposit products, such as non-interest-bearing checking, interest-bearing checking, savings, money market deposit, and individual retirement accounts; and certificates of deposit. The company also provides commercial loan products, including owner and non-owner occupied commercial real estate loans; working capital loans and lines of credit; demand, construction, and time loans; and equipment, inventory, and accounts receivable financing. In addition, it offers consumer loan products comprising home equity lines of credit; residential first lien mortgages; second lien mortgages; new and used auto loans; new and used boat loans; overdraft protection; and unsecured personal credit lines. Further, the company provides debit and credit cards; mortgage loans; and wealth management services, including investment accounts that provides access to a wide range of mutual funds, annuities, and other financial products. It operates 162 banking offices in Florida, North and South Carolina, Tennessee, and Virginia. The company was formerly known as North American Financial Holdings, Inc. Capital Bank Financial Corp. was incorporated in 2009 and is headquartered in Coral Gables, Florida.