C
Capital Bancorp Inc
Period
FY 2025
Revenue
—
Net Income
$57.17M
Total Assets
$3.61B
Equity
$401.76M
Shares Out
16.29M
Op. Cash Flow
$69.72M
Business
Capital Bancorp Inc is a bank holding company operating Capital Bank, N.A., a commercial-focused community bank. The company provides commercial lending (C&I, commercial real estate, construction, government-guaranteed, and lender finance), residential mortgage origination through Capital Bank Home Loans, secured and unsecured credit cards via OpenSky™, and loan servicing for SBA and USDA loans through Windsor Advantage™. It serves businesses, nonprofits, and consumers across the Washington, D.C., Baltimore, and other regional markets.
Summary from 10-K filed 2026-03-16
Financials
Consolidated Statement of Income
Year Ended · In millions, except per-share amounts
| Concept | Trend | FY 2025 2025-12-31 | FY 2024 2024-12-31 | FY 2023 2023-12-31 | FY 2022 2022-12-31 | FY 2021 2021-12-31 |
|---|---|---|---|---|---|---|
| Loans, including fees | 245 | 203 | 175 | 144 | 121 | |
| Investment securities available-for-sale | 7 | 5 | 5 | 4 | 2 | |
| Federal funds sold and other | 9 | 5 | 4 | 2 | 449,000 | |
| Total interest income | 261 | 213 | 183 | 151 | 123 | |
| Deposits | 64 | 56 | 40 | 8 | 6 | |
| Borrowed funds | 1 | 2 | 2 | 2 | 742,000 | |
| Total interest expense | 65 | 59 | 42 | — | — | |
| Net interest income | 196 | 155 | 142 | 141 | 117 | |
| Provision for credit losses | 15 | 18 | 10 | — | — | |
| Provision for credit losses on unfunded commitments | 188,000 | 385,000 | −101,000 | 0 | — | |
| Net interest income after provision for credit losses | 181 | 137 | 132 | 134 | 113 | |
| Loan servicing rights | 545,000 | 1 | 0 | — | — | |
| Non-recurring equity and debt investment write-down | 0 | −3 | 0 | — | — | |
| Other income | 3 | 3 | 2 | 2 | 1 | |
| Noninterest loss | 49 | 31 | 25 | 29 | 51 | |
| Salaries and employee benefits | 72 | 56 | 49 | 43 | 38 | |
| Occupancy and equipment | 11 | 8 | 6 | 5 | 4 | |
| Professional fees | 11 | 8 | 9 | 11 | 7 | |
| Data processing | 30 | 28 | 26 | 29 | 39 | |
| Advertising | 6 | 6 | 6 | 6 | 5 | |
| Loan processing | 4 | 2 | 2 | 2 | 4 | |
| Merger-related expenses | 3 | 4 | 0 | — | — | |
| Operational and other card fraud related losses | 4 | 4 | — | — | — | |
| Regulatory assessment expenses | 3 | 2 | 2 | — | — | |
| Other operating | 10 | 8 | 5 | 5 | 13 | |
| Total noninterest expenses | 155 | 126 | 111 | 109 | 110 | |
| Income before income taxes | 75 | 42 | 46 | 54 | 54 | |
| Income tax expense | 18 | 11 | 10 | 12 | 14 | |
| Net income | 57 | 31 | 36 | 42 | 40 | |
| Basic earnings per share (in dollars per share) | 3.45 | 2.12 | 2.56 | 2.98 | 2.9 | |
| Diluted earnings per share (in dollars per share) | 3.41 | 2.12 | 2.55 | 2.91 | 2.84 | |
| Basic (in shares) | 17 | 15 | 14 | 14 | 14 | |
| Diluted (in shares) | 17 | 15 | 14 | 14 | 14 |
Consolidated Balance Sheet
As of · In millions, except per-share amounts
| Concept | Trend | FY 2025 2025-12-31 | FY 2024 2024-12-31 | FY 2023 2023-12-31 | FY 2022 2022-12-31 | FY 2021 2021-12-31 |
|---|---|---|---|---|---|---|
| Cash and due from banks | 31 | 25 | 15 | 20 | 43 | |
| Interest-bearing deposits at other financial institutions | 225 | 180 | 39 | 40 | 137 | |
| Federal funds sold | 60,000 | 58,000 | 407,000 | 21 | 4 | |
| Total cash and cash equivalents | 256 | 205 | 54 | 80 | 183 | |
| Investment securities available-for-sale | 230 | 224 | 208 | 252 | 184 | |
| Restricted investments | 8 | 4 | 4 | 7 | 3 | |
| Loans held for sale | 26 | 17 | 7 | 7 | 16 | |
| Portfolio loans receivable, net of deferred fees and costs | 2,959 | 2,630 | 1,903 | — | — | |
| Less allowance for credit losses | −55 | −49 | −29 | −26 | −25 | |
| Total portfolio loans held for investment, net | 2,905 | 2,582 | 1,875 | 1,702 | 1,499 | |
| Premises and equipment, net | 15 | 16 | 5 | 3 | 3 | |
| Accrued interest receivable | 17 | 17 | 11 | 9 | 8 | |
| Goodwill | 26 | 21 | 0 | 0 | — | |
| Intangible assets | 15 | 16 | — | — | — | |
| Loan servicing assets | 2 | 6 | 0 | 0 | — | |
| Deferred tax asset | 15 | 17 | 12 | 14 | 10 | |
| Bank owned life insurance | 46 | 44 | 38 | 37 | 36 | |
| Other assets | 47 | 40 | 11 | 8 | 4 | |
| Total assets | 3,606 | 3,207 | 2,226 | 2,124 | 2,055 | |
| Noninterest-bearing | 853 | 811 | 617 | 674 | 788 | |
| Interest-bearing | 2,240 | 1,951 | 1,279 | 1,084 | 1,009 | |
| Total deposits | 3,093 | 2,762 | 1,896 | 1,758 | 1,797 | |
| Federal Home Loan Bank advances | 50 | 22 | 22 | 107 | 22 | |
| Other borrowed funds | 2 | 12 | 27 | 12 | 12 | |
| Accrued interest payable | 9 | 9 | 6 | 1 | 473,000 | |
| Other liabilities | 50 | 46 | 21 | 21 | 26 | |
| Total liabilities | 3,204 | 2,852 | 1,971 | 1,900 | 1,857 | |
| Common stock, $.01 par value; 49,000,000 shares authorized; 16,373,288 and 16,662,626 issued and outstanding | 164,000 | 167,000 | 139,000 | 141,000 | 140,000 | |
| Additional paid-in capital | 115 | 124 | 54 | 58 | 54 | |
| Retained earnings | 293 | 243 | 213 | 182 | 145 | |
| Accumulated other comprehensive loss | −6 | −11 | −13 | −17 | −1 | |
| Total stockholders' equity | 402 | 355 | 255 | 224 | 198 | |
| Total liabilities and stockholders' equity | 3,606 | 3,207 | 2,226 | 2,124 | 2,055 |
Consolidated Statement of Cash Flows
Year Ended · In millions, except per-share amounts
| Concept | Trend | FY 2025 2025-12-31 | FY 2024 2024-12-31 | FY 2023 2023-12-31 | FY 2022 2022-12-31 | FY 2021 2021-12-31 |
|---|---|---|---|---|---|---|
| Provision for credit losses on unfunded commitments | 188,000 | 385,000 | −101,000 | −54,000 | −40,000 | |
| Provision for (release of) mortgage put-back reserve, net | 79,000 | −68,000 | −188,000 | 9,000 | 4,000 | |
| Net (accretion) amortization on investment securities available-for-sale | −150,000 | 100,000 | 188,000 | 540,000 | 642,000 | |
| Premises and equipment depreciation | 1 | 737,000 | 324,000 | 364,000 | 561,000 | |
| Lease asset amortization | 1 | 1 | 149,000 | — | — | |
| Amortization of intangible assets | 1 | 262,000 | 0 | — | — | |
| Extinguishment of leases | 0 | −3 | 0 | — | — | |
| Increase in cash surrender value of BOLI | −2 | −2 | −1 | −1 | −506,000 | |
| Net decrease (increase) in loan servicing assets | 2 | −996,000 | 0 | — | — | |
| Executive long-term incentive plan expense | 889,000 | 516,000 | 148,000 | 582,000 | 1 | |
| Stock-based compensation expense | 2 | 2 | 2 | 2 | 1 | |
| Director and employee compensation paid in Company stock | 1 | 517,000 | 547,000 | 171,000 | 519,000 | |
| Deferred income tax expense (benefit) | 1 | −2 | 142,000 | 1 | −2 | |
| (Increase) decrease in valuation of loans held for sale carried at fair value | −62,000 | 32,000 | 6,000 | 0 | 246,000 | |
| Proceeds from sales of loans held for sale | 353 | 281 | 176 | 309 | 1,092 | |
| Originations of loans held for sale | −357 | −293 | −176 | −300 | −1,001 | |
| Government lending revenue | −4 | −2 | — | — | — | |
| Accrued interest receivable | −31,000 | −762,000 | −2 | −2 | 233,000 | |
| Taxes payable | −3 | 3 | 179,000 | — | — | |
| Other assets | −3 | −16 | −2 | −4 | −1 | |
| Accrued interest payable | −648,000 | 3 | 5 | 558,000 | −661,000 | |
| Other liabilities | 5 | 12 | −63,000 | −4 | −3 | |
| Net cash provided by operating activities | 70 | 35 | 47 | 51 | 132 | |
| Purchases of securities available-for-sale | −55 | −65 | −7 | −113 | −170 | |
| Proceeds from calls and maturities of securities available-for-sale | 56 | 53 | 56 | 24 | 14 | |
| Net purchases of restricted investments | −4 | −126,000 | 3 | −4 | 215,000 | |
| Net increase in portfolio loans receivable | −346 | −321 | −181 | −210 | −210 | |
| Net purchases of premises and equipment | −2 | −2 | −2 | −2 | −24,000 | |
| Cash received from acquisitions, net | 0 | 65 | 0 | — | — | |
| Net cash used in investing activities | −351 | −270 | −131 | −198 | −238 | |
| Noninterest-bearing deposits | 42 | 108 | −57 | −113 | 179 | |
| Interest-bearing deposits | 289 | 299 | 195 | 74 | −34 | |
| Federal Home Loan Bank advances | 28 | 0 | — | — | — | |
| Other borrowed funds | −10 | −15 | 15 | 0 | −2 | |
| Dividends paid | −7 | −5 | −4 | −3 | −1 | |
| Repurchase of common stock | −12 | −1 | −9 | 0 | 0 | |
| Net proceeds from exercise of stock | 1 | 1 | 2 | 1 | 967,000 | |
| Net cash provided by financing activities | 331 | 386 | 57 | 44 | 143 | |
| Net increase in cash and cash equivalents | 50 | 151 | −26 | −103 | 36 | |
| Loans transferred to foreclosed real estate | 4 | 0 | — | — | 0 | |
| Change in unrealized gains on investments | 8 | 2 | 5 | −21 | −4 | |
| Fair value of assets acquired, net of cash received | 0 | 460 | 0 | — | — | |
| Goodwill from acquisition | 0 | 21 | 0 | — | — | |
| Fair value of liabilities assumed | 0 | 476 | 0 | — | — | |
| Common Stock issued related to acquisition | 0 | 27,000 | 0 | — | — | |
| Goodwill measurement period adjustment | 5 | 0 | — | — | — | |
| Taxes | 19 | 9 | 8 | 12 | 16 | |
| Interest | 66 | 55 | 37 | 9 | 7 |
Filings
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Frequently asked questions
What is Capital Bancorp Inc's CIK number?
Capital Bancorp Inc's SEC CIK number is 0001419536 (1419536). The CIK (Central Index Key) is the permanent identifier the SEC assigns to every EDGAR filer — unlike a ticker symbol, it never changes.
Where can I find Capital Bancorp Inc's SEC filings?
All of Capital Bancorp Inc's EDGAR filings — 10-K annual reports, 10-Q quarterly reports, 8-K material events, and insider transactions — are listed on this page, sourced live from SEC EDGAR.
When did Capital Bancorp Inc last report earnings?
Capital Bancorp Inc (CBNK) most recently filed an earnings 8-K with the SEC on Apr 27, 2026, furnishing its results under Item 2.02 (Results of Operations and Financial Condition). The earnings press release is attached to that filing (accession 0001419536-26-000097). This is Capital Bancorp Inc's most recent earnings filing of record — not a forecast of its next earnings date.
What is Capital Bancorp Inc's most recent earnings 8-K?
Capital Bancorp Inc's latest earnings 8-K (Item 2.02) was filed Apr 27, 2026 under accession 0001419536-26-000097. It carries the quarterly or annual earnings press release — the earliest official, SEC-filed version of the results.
View Capital Bancorp Inc's latest earnings 8-K →
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