Welcome to our dedicated page for Capital Bancorp SEC filings (Ticker: CBNK), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
Capital Bancorp, Inc. filings document the regulatory disclosures of a Maryland bank holding company for Capital Bank, N.A. Recent Form 8-K reports cover quarterly and annual financial results, investor presentations, cash dividends, stock repurchase authorization, subordinated note redemption, and other material corporate events.
The company’s proxy and governance filings describe board structure, director elections and appointments, committee assignments, executive compensation, equity awards, and shareholder voting matters. Officer employment agreements and related compensatory arrangements appear in current reports, while capital-structure disclosures address common stock activity and bank holding company financing instruments.
Capital Bancorp, Inc. replaced its independent auditor. On August 14, 2026, the Audit Committee dismissed Elliott Davis, PLLC and approved Crowe LLP as independent registered public accounting firm for the fiscal year ending December 31, 2026. The change was made to engage a larger firm with additional resources and industry specialization to support the company’s growth.
Audit reports from Elliott Davis for 2024 and 2025 contained no adverse opinions or qualifications, and the company reports no disagreements or other reportable events with Elliott Davis, other than a previously disclosed material weakness in internal control over financial reporting in the 2025 Form 10‑K. The company states it did not consult Crowe LLP on accounting matters or audit opinions before this appointment, aside from earlier valuation work related to the October 1, 2024 acquisition of Integrated Financial Holdings, Inc.
Capital Bancorp, Inc. reported Q2 2026 net income of 14,250 (in thousands), up from 13,136 a year earlier, with diluted EPS of $0.87 versus $0.78. For the first six months, net income was 26,268 (in thousands), slightly below 27,068 in 2025, while diluted EPS held at $1.60.
Total assets reached 3,889,938 (in thousands) at June 30, 2026, compared with 3,606,207 at December 31, 2025. Deposits grew to 3,371,103 (in thousands) from 3,093,200, and portfolio loans increased to 3,089,932 from 2,965,071. The allowance for credit losses was stable at 54,431 (in thousands).
Credit metrics show nonaccrual loans of 56,987 (in thousands) versus 54,421 at year-end and collateral dependent loans of 51,396 (in thousands). Loan modifications to borrowers experiencing financial difficulty totaled 11,200 (in thousands) in the first half. Segment results were mixed: Commercial Banking pretax income rose to 30,886 (in thousands), Windsor Advantage™ improved to 3,738, OpenSky™ declined to 1,941, and CBHL recorded a pretax loss of 2,240 for the six months ended June 30, 2026.
Capital Bancorp, Inc. delivered solid 2Q 2026 results, reporting net income of $14.3 million and diluted EPS of $0.87, up 18.6% and 19.2% from 1Q 2026 and above 2Q 2025. Return on average assets was 1.52% and return on tangible common equity 15.51%, with core metrics equal to GAAP.
Balance sheet growth remained robust: gross loans reached $3.1 billion, up 7.9% annualized quarter-over-quarter and 12.6% year-over-year, while total deposits were $3.4 billion, up 9.6% annualized and 14.6% year-over-year, driven by strong customer deposit inflows and reduced brokered time deposits. Fee revenue was $14.4 million, 22.0% of total revenue, led by Windsor government loan servicing, mortgage banking and government lending. Net interest margin was 5.64%, down 7 bps sequentially, while the total cost of deposits fell 5 bps to 2.29%.
Credit costs increased moderately, with a $3.6 million provision for credit losses and net charge-offs of $3.8 million, or 0.50% of average portfolio loans, as nonperforming assets remained 1.56% of total assets. The allowance for credit losses stood at 1.76% of loans. Capital and liquidity were strong, with a 13.14% Common Equity Tier 1 ratio, 10.59% Tier 1 leverage ratio and total liquidity of approximately $1.2 billion. The board declared a quarterly cash dividend of $0.14 per share, a 16.7% increase, payable August 26, 2026 to shareholders of record on August 10, 2026.
Capital Bancorp Inc reported that EVP and COO of the Bank James Como received equity-based awards on July 20, 2026, including 4,000 stock options with a $35.84 exercise price expiring in 2031 and 1,046 restricted stock units. The options vest in four equal annual installments beginning July 20, 2027, and the RSUs vest in three equal annual installments starting July 20, 2027.
Capital Bancorp Inc officer James Como, EVP and COO of the Bank, has filed a Form 3 insider ownership report for CBNK. The report identifies him as a reporting officer and does not list any holdings or transactions in Capital Bancorp Inc securities in this filing.
Capital Bancorp, Inc. is moving to simplify its corporate governance. The board has unanimously approved proposals to ask stockholders to eliminate the company’s classified (staggered) board structure and remove all supermajority voting requirements from its Articles of Incorporation.
If stockholders approve, directors elected at future annual meetings, starting with the next director election, would serve one-year terms instead of multi-year staggered terms, while current directors finish their existing terms. The proposals would also remove supermajority voting thresholds for director removal, changes to classified board provisions, and certain business combinations, with related updates to the company’s Bylaws.
Capital Bancorp, Inc. reported the results of its annual stockholder meeting held on May 28, 2026. Stockholders voted on director elections, executive compensation and auditor ratification based on proposals described in the company’s definitive proxy statement.
Four Class III directors — Jerome R. Bailey, Marc McConnell, Steven J. Schwartz and James F. Whalen — were elected to terms expiring in 2029, and Mark Caplan was elected as a Class II director to a term expiring in 2028. On the record date there were 16,309,270 common shares entitled to vote, and 13,674,863 shares were represented in person or by proxy.
Stockholders approved the non-binding advisory vote on compensation for the named executive officers and ratified the appointment of Elliott Davis, PLLC as independent registered public accounting firm for the fiscal year ending December 31, 2026.
Capital Bancorp, Inc. reported first-quarter 2026 net income of $12.0 million, down from $13.9 million a year earlier, as higher operating costs and credit provisions offset revenue growth. Diluted earnings per share were $0.73 versus $0.82 in the prior-year quarter.
Total assets rose to $3.81 billion from $3.61 billion, driven by loan and deposit growth. Portfolio loans reached $3.03 billion, while deposits increased to $3.29 billion, reflecting strong funding expansion across commercial banking and the OpenSky credit card division.
Net interest income increased to $49.4 million from $46.0 million as loan balances and yields grew. However, the provision for credit losses rose to $3.0 million, and noninterest expenses climbed to $43.7 million, pressuring profitability even as noninterest income improved modestly.
Capital Bancorp, Inc. reported first-quarter 2026 net income of $12.0 million, down from $15.0 million in the prior quarter, with diluted EPS of $0.73 versus $0.91. Return on assets was 1.33% and return on tangible common equity was 13.58%, reflecting higher noninterest expenses and credit costs.
The balance sheet continued to expand, with gross loans of $3.0 billion, up 9.2% annualized from year-end 2025, and total deposits of $3.3 billion, up 26.1% annualized. Tangible book value per share rose to $22.62, a 14.2% increase from a year earlier, while the net interest margin was 5.71% and core net interest margin was 4.15%.
The board declared a $0.12 per share cash dividend, payable May 27, 2026 to stockholders of record on May 11, 2026. During the quarter the company repurchased $3.5 million of common stock, and capital ratios remained above regulatory requirements, including a holding company Common Equity Tier 1 ratio of 12.92% as of March 31, 2026.