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. reported third-quarter 2026 GAAP net income of $13.1 million, down 12.9% year over year; core net income was $14.7 million, up 21.0%. Diluted EPS was $0.80, down 10.1%, while core diluted EPS was $0.89, up 23.6%. Core measures are non-GAAP and exclude merger expenses, certain other pre-tax adjustments and related tax effects. Net interest margin was 5.81%, down 55 basis points year over year; portfolio loans were $3,114.3 million as of September 30, 2026, up 10.4% year over year.
The board declared a $0.14 per-share cash dividend, payable November 25, 2026, to shareholders of record November 9, 2026. Capital Bancorp also identified remediation of a material weakness in internal control over financial reporting as a risk.
Under its September 29, 2026 definitive agreement, Peoples Bancorp, Inc. would acquire Capital Bancorp in an all-stock deal: CBNK shareholders would receive 1.11 Peoples common shares per CBNK share, an implied $43.75 per share and an approximate 22.7% premium to CBNK’s September 29 closing price. The merger is subject to regulatory and shareholder approvals and customary closing conditions. Capital Bank entered a purchase and assumption agreement for its North Riverside, Illinois branch, subject to approvals and customary conditions. Based on September 30, 2026 deposits, the bank would receive an approximately $3.2 million deposit premium if the transaction closed then; payment for transferred loan principal could also result in a gain at closing.
Capital Bancorp Inc director Deborah Ratnersalzberg exercised options for 1,800 common shares at a $26.41 exercise price on September 25, 2026. On that date, 1,322 shares were delivered or withheld for payment of exercise price or tax liability. Reported holdings include 21,622 common shares held indirectly by the Deborah Ratner Salzberg Trust and 544 restricted stock units scheduled to vest March 2, 2027.
The amendment notes that 6,990 shares were transferred from direct ownership to the trust on June 14, 2023, without changing aggregate beneficial ownership.
Capital Bancorp Inc (CBNK) Director Deborah Ratnersalzberg exercised stock options covering 3,000 common shares on November 5, 2019, at an exercise price of $6.63 per share. Her direct common-stock holdings after the exercise were 26,044 shares; she also reported 14,632 common shares held indirectly by Deborah Ratner Salzberg Trust. The exercise had been inadvertently omitted from her Section 16 filings when originally due. Other direct option positions covered 7,200 shares at $7.50, expiring December 31, 2020; 7,500 at $8.50, expiring December 31, 2021; 7,600 at $12.38, expiring December 31, 2022; and 8,400 at $11.38, expiring December 31, 2023.
Capital Bancorp Inc (CBNK) director Joshua Bernstein exercised stock options on October 6, 2026, acquiring 3,108 common shares: 561 at $26.41, 697 at $23.54, 850 at $24.20, and 1,000 at $30.51. The reported holdings include options covering 3,679 common shares at a $29.41 exercise price, expiring March 2, 2031, and 952 restricted stock units scheduled to vest March 2, 2027. The holdings table also lists indirect common-stock positions: 324,000 shares by Norman Bernstein, 154,400 by SandBern Ventures, LLC, and 303,200 by Bernstein Fund Limited Partnership.
Capital Bancorp Inc director James F. Whalen exercised 2,750 stock options at $26.41 per share on September 29, 2026, acquiring 2,750 common shares. On that date, 2,011 shares were delivered or withheld for payment of exercise price or tax liability, at $36.12 per share. Reported indirect common-stock positions included 668,554 shares in James F. Whalen Revocable Trust, 58,400 in an IRA, 240,409 in Whalen Family, LLC, and 2,821 each in NMW Investments LLC and KAW Investments LLC. Remaining options covered 3,485, 4,400, 4,000 and 7,096 shares at exercise prices of $23.54, $24.20, $30.51 and $29.41, expiring January 1, 2028; January 1, 2029; March 3, 2030; and March 2, 2031, respectively. He also reported 1,836 restricted stock units vesting March 2, 2027.
Capital Bancorp, Inc. agreed to combine with Peoples Bancorp. The announcement states that upon completion of the sale, the company will continue as Peoples Bancorp. Separately, Capital Bank agreed to sell its North Riverside, Illinois branch to another community bank. Both transactions are subject to required approvals and closing conditions. The combination is expected to close in the second quarter of 2027, with conversion to Peoples systems planned for September. Peoples cited its regional banking network and strengths in insurance, wealth management and specialty finance; Capital cited its Mid-Atlantic commercial relationships and businesses with national reach.
Capital Bancorp, Inc., through its wholly owned subsidiary Capital Bank, N.A., entered into an agreement to sell its North Riverside, Illinois branch to another financial institution. The purchaser will acquire the branch and certain loans and other assets attributed to it, and assume certain associated deposits and other liabilities.
At June 30, 2026, the branch held approximately $123.9 million in deposits. Based on the deposit mix at that date, the Bank would have received an approximately $3.3 million deposit premium had the transaction been completed then. The Bank will also receive payment equal to the unpaid principal balance of loans transferred. The parties will determine within 30 days of the September 29, 2026 agreement which loans will be purchased. Closing remains subject to customary conditions, including required regulatory approvals.
Capital Bancorp Inc (symbol: CBNK) is the issuer of record for a Form 425 filing submitted to the SEC.
Capital Bancorp Inc (symbol: CBNK) is the issuer of record for a Form 8-K filing submitted to the SEC.
Capital Bancorp Inc (CBNK) director Jerome Ronnell Bailey exercised four stock-option tranches on September 28, 2026, acquiring 7,566 common shares. The tranches covered 2,250 shares at a $26.41 exercise price, 2,616 at $23.54, 1,700 at $24.20 and 1,000 at $30.51 per share. No Rule 10b5-1 plan is reported. The reported holdings also include options covering 3,679 common shares at a $29.41 exercise price, and 952 restricted stock units scheduled to vest on March 2, 2027; each unit represents one common share. The Jerome R Bailey Revocable Living Trust holds 82,797 common shares indirectly.