A bank does not even need deposits to make a loan. No, I was referring to your startup bank. The bank has no liabilities until it creates its first deposit. The only commonality is the unit of account for all three variables.
Liabilities are simply what the bank owes.
Capital is its net worth. The two are different measures and should not be confused. Keep your feet on the ground while you try to understand the big picture. It helps the wheel of commerce to turn. This is simply wrong.