CBNK on Nasdaq
Capital Bancorp Inc
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Last updated Oct 16, 2026.
Overview
Financials
From the company’s reports to the SEC. Every number links to the filing it came from.
What sells
Revenue by product, business segment and region, as the company reports it to the SEC.
Products and services
Credit Card brought in 38% of the revenue Capital Bancorp Inc broke down this way in fiscal 2025.
Products and services by year
| Products and services | 2024 | 2025 |
|---|---|---|
| Credit Card | $16.0M | $17.4M |
| Government Loan Servicing | $4.0M | $15.5M |
| Mortgage Banking | $7.1M | $7.5M |
| Government Lending | $2.3M | $4.2M |
| Bank Servicing | $883.0K | $1.3M |
Financial statements
Every line of the income statement in the latest annual report, as filed.3
| Period ending | 2025-12-31 | 2024-12-31 |
|---|---|---|
| Loans, including fees | $245.3M | $202.9M |
| Investment securities available-for-sale | $7.0M | $5.4M |
| Federal funds sold and other | $8.6M | $4.9M |
| Total interest income | $260.9M | $213.3M |
| Deposits | $63.8M | $56.2M |
| Borrowed funds | $1.1M | $2.4M |
| Total interest expense | $64.9M | $58.6M |
| Net interest income | $196.0M | $154.7M |
| Provision for credit losses | $15.0M | $17.7M |
| Provision for credit losses on unfunded commitments | $188.0K | $385.0K |
| Net interest income after provision for credit losses | $180.8M | $136.6M |
| Loan servicing rights | $545.0K | $1.0M |
| Non-recurring equity and debt investment write-down | $0 | -$2.6M |
| Other income | $2.8M | $2.7M |
| Noninterest loss | $49.2M | $31.4M |
| Salaries and employee benefits | $72.2M | $56.0M |
| Occupancy and equipment | $11.4M | $8.2M |
| Professional fees | $11.0M | $7.8M |
| Data processing | $29.8M | $27.7M |
| Advertising | $6.3M | $6.4M |
| Loan processing | $4.0M | $2.4M |
| Merger-related expenses | $3.4M | $3.9M |
| Operational and other card fraud related losses | $3.5M | $3.7M |
| Regulatory assessment expenses | $3.4M | $1.9M |
| Other operating | $10.3M | $8.0M |
| Total noninterest expenses | $155.1M | $126.2M |
| Income before income taxes | $74.9M | $41.8M |
| Income tax expense | $17.8M | $10.9M |
| Net income | $57.2M | $31.0M |
| Basic earnings per share (in dollars per share) | $3.45 | $2.12 |
| Diluted earnings per share (in dollars per share) | $3.41 | $2.12 |
| Basic (in shares) | 16.6M shares | 14.6M shares |
| Diluted (in shares) | 16.8M shares | 14.6M shares |
Every line of the balance sheet in the latest annual report, as filed.3
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Cash and due from banks | $30.9M | $25.4M | |
| Interest-bearing deposits at other financial institutions | $224.6M | $179.8M | |
| Federal funds sold | $60.0K | $58.0K | |
| Total cash and cash equivalents | $255.6M | $205.3M | |
| Investment securities available-for-sale | $230.1M | $223.6M | |
| Restricted investments | $8.4M | $4.5M | |
| Loans held for sale | $25.8M | $17.1M | |
| Portfolio loans receivable, net of deferred fees and costs | $3.0B | $2.6B | |
| Less allowance for credit losses | -$54.7M | -$48.7M | -$28.6M |
| Total portfolio loans held for investment, net | $2.9B | $2.6B | |
| Premises and equipment, net | $15.1M | $15.5M | |
| Accrued interest receivable | $16.7M | $16.7M | |
| Goodwill | $26.0M | $21.1M | $0 |
| Intangible assets | $14.8M | $15.8M | |
| Loan servicing assets | $1.8M | $5.5M | $0 |
| Deferred tax asset | $15.0M | $16.7M | |
| Bank owned life insurance | $45.5M | $44.0M | |
| Other assets | $46.7M | $39.6M | |
| Total assets | $3.6B | $3.2B | |
| Noninterest-bearing | $852.7M | $810.9M | |
| Interest-bearing | $2.2B | $2.0B | |
| Total deposits | $3.1B | $2.8B | |
| Federal Home Loan Bank advances | $50.0M | $22.0M | |
| Other borrowed funds | $2.1M | $12.1M | |
| Accrued interest payable | $8.7M | $9.4M | |
| Other liabilities | $50.4M | $46.4M | |
| Total liabilities | $3.2B | $2.9B | |
| Common stock, $.01 par value; 49,000,000 shares authorized; 16,373,288 and 16,662,626 issued and outstanding | $164.0K | $167.0K | |
| Additional paid-in capital | $114.6M | $123.6M | |
| Retained earnings | $292.7M | $242.9M | |
| Accumulated other comprehensive loss | -$5.8M | -$11.5M | |
| Total stockholders' equity | $401.8M | $355.1M | $254.9M |
| Total liabilities and stockholders' equity | $3.6B | $3.2B | |
| Common stock, par value (in dollars per share) | $0.01 | $0.01 | |
| Common stock, shares authorized (in shares) | 49.0M shares | 49.0M shares | |
| Common stock, shares issued (in shares) | 16.4M shares | 16.7M shares | |
| Common stock, shares outstanding (in shares) | 16.4M shares | 16.7M shares |
Cash flow is reported year to date, not quarter by quarter, so there are no separate quarterly figures.
Every line of the cash flow in the latest annual report, as filed.3
| Period ending | 2025-12-31 | 2024-12-31 |
|---|---|---|
| Net income | $57.2M | $31.0M |
| Provision for credit losses | $15.0M | $17.7M |
| Provision for credit losses on unfunded commitments | $188.0K | $385.0K |
| Provision for (release of) mortgage put-back reserve, net | $79.0K | -$68.0K |
| Net (accretion) amortization on investment securities available-for-sale | -$150.0K | $100.0K |
| Premises and equipment depreciation | $1.4M | $737.0K |
| Lease asset amortization | $1.4M | $1.2M |
| Amortization of intangible assets | $1.0M | $262.0K |
| Extinguishment of leases | $0 | -$2.9M |
| Increase in cash surrender value of BOLI | -$1.5M | -$1.5M |
| Net decrease (increase) in loan servicing assets | $1.6M | -$996.0K |
| Executive long-term incentive plan expense | $889.0K | $516.0K |
| Stock-based compensation expense | $1.6M | $1.9M |
| Director and employee compensation paid in Company stock | $1.2M | $517.0K |
| Deferred income tax expense (benefit) | $1.1M | -$1.8M |
| (Increase) decrease in valuation of loans held for sale carried at fair value | -$62.0K | $32.0K |
| Proceeds from sales of loans held for sale | $352.8M | $281.4M |
| Originations of loans held for sale | -$357.3M | -$292.9M |
| Government lending revenue | -$4.2M | -$2.3M |
| Accrued interest receivable | -$31.0K | -$762.0K |
| Taxes payable | -$3.0M | $3.4M |
| Other assets | -$3.4M | -$15.5M |
| Accrued interest payable | -$648.0K | $2.5M |
| Other liabilities | $4.6M | $12.0M |
| Net cash provided by operating activities | $69.7M | $34.9M |
| Purchases of securities available-for-sale | -$54.9M | -$65.4M |
| Proceeds from calls and maturities of securities available-for-sale | $56.1M | $53.2M |
| Net purchases of restricted investments | -$3.9M | -$126.0K |
| Net increase in portfolio loans receivable | -$345.8M | -$320.7M |
| Net purchases of premises and equipment | -$2.4M | -$2.2M |
| Cash received from acquisitions, net | $0 | $65.2M |
| Net cash used in investing activities | -$350.9M | -$270.0M |
| Noninterest-bearing deposits | $41.8M | $107.9M |
| Interest-bearing deposits | $289.4M | $299.0M |
| Federal Home Loan Bank advances | $28.0M | $0 |
| Other borrowed funds | -$10.0M | -$15.0M |
| Dividends paid | -$7.3M | -$5.3M |
| Repurchase of common stock | -$11.7M | -$1.4M |
| Net proceeds from exercise of stock | $1.2M | $1.1M |
| Net cash provided by financing activities | $331.4M | $386.4M |
| Net increase in cash and cash equivalents | $50.2M | $151.4M |
| Loans transferred to foreclosed real estate | $3.9M | $0 |
| Change in unrealized gains on investments | $7.5M | $2.2M |
| Fair value of assets acquired, net of cash received | $0 | $460.5M |
| Goodwill from acquisition | $0 | $21.1M |
| Fair value of liabilities assumed | $0 | $475.9M |
| Common Stock issued related to acquisition | $0 | $27.0K |
| Goodwill measurement period adjustment | $4.7M | $0 |
| Taxes | $18.8M | $9.1M |
| Interest | $65.5M | $54.7M |
Recent filings
- Oct 7, 20264
- Sep 30, 20268-K
- Sep 30, 2026425
- Sep 30, 20268-K
- Sep 30, 2026425
- Sep 30, 20264
- Sep 29, 20264
- Sep 28, 20264
- Sep 28, 20264
- Sep 25, 20264
- Sep 25, 20264
- Sep 24, 20264
- Sep 24, 20264
- Aug 14, 20268-K
- Aug 7, 202610-Q
Every filing from the last three years, summarized. The full record is on SEC EDGAR.1
Sources
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