29 Years of Trust, Growth and Financial Security

Celebrating 29 Years of Capital Security Bank, 1997–2026

On 22 October 2026, Capital Security Bank (CSB) proudly celebrates 29 years of providing private banking and investment services from the Cook Islands to clients around the world.

Since our establishment in 1997, we have grown alongside the Cook Islands' international financial services industry, evolving from a specialist banking provider into an international private bank offering a comprehensive range of banking, investment and trading solutions.

Our Beginnings: 1997

Capital Security Bank was incorporated on 22 October 1997 to meet the banking requirements of personal family trusts administered by professional trustees.

Established during an important period in the development of the Cook Islands' international financial services sector, CSB built its foundations on financial security, confidentiality and personalised client service.

These principles continue to guide our business today.

Growing with the Financial Services Industry

Over the following decades, CSB expanded its services beyond its original trustee-focused clientele to support high-net-worth individuals, corporate clients, asset managers, professional trustees and family offices.

As international financial markets and regulatory requirements evolved, so too did our banking capabilities.

Our services grew to include multi-currency banking, international payments, investment custody, securities trading and access to global financial markets.

Throughout this evolution, our focus has remained on providing clients with secure, efficient and personalised financial services.

A New Chapter: 2022–2026

In 2022, CSB entered a new chapter through its integration into an international financial services group, creating opportunities for broader capabilities and international collaboration.

The appointment of Joseph Horn-Smith as Chief Executive Officer in January 2024 marked another milestone in the Bank's development.

During this period, CSB continued to strengthen its international presence, develop its banking and investment services, and modernise its brand to reflect its evolving position in the global financial services industry.

Today, CSB operates as the private bank of the Cook Islands, providing international banking, investment and trading solutions while remaining authorised and regulated by the Cook Islands Financial Supervisory Commission.

Looking Ahead

As we celebrate our 29th anniversary, we recognise that our achievements have been made possible through the confidence of our clients, the strength of our partnerships and the dedication of our people.

While the financial services landscape continues to evolve, our commitment to financial security, responsible banking and personalised service remains unchanged.

We look forward to continuing our journey, embracing innovation, strengthening relationships and delivering long-term value to the clients and communities we serve.

To our clients, partners, shareholders and staff, thank you for being part of our journey.

Celebrating 29 years. Looking confidently towards the future.