Capital Bancorp director exercises 1,800 options

Q: How many CBNK shares did Deborah Ratnersalzberg acquire through options?

Deborah Ratnersalzberg exercised options for 1,800 common shares at a $26.41 exercise price on September 25, 2026.

Q: How many CBNK shares were delivered or withheld for exercise costs or taxes?

1,322 shares were delivered or withheld for payment of exercise price or tax liability on September 25, 2026.

Q: How many CBNK shares are reported in Deborah Ratnersalzberg’s trust?

The reported indirect position is 21,622 common shares held by the Deborah Ratner Salzberg Trust. The amendment notes that 6,990 shares were transferred from direct ownership to the trust on June 14, 2023, without changing aggregate beneficial ownership.

Q: When do Deborah Ratnersalzberg’s CBNK restricted stock units vest?

The reported 544 restricted stock units vest on March 2, 2027. Each unit represents the right to receive one common share.

Four direct option tranches are also reported, with expirations from January 1, 2028, through March 2, 2031.

Filing Impact

(Neutral)

Filing Sentiment

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Sentiment and the balance of points

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Form Type

4/A

Rhea-AI Filing Summary

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.

Insider Trade Summary

1,800 shares exercised/converted

Exercise 9 txns

Insider RATNERSALZBERG DEBORAH

Role Director

Type	Security	Shares	Price	Value
Exercise	Stock Options ^F2	1,800	$0.00	$0.00
Exercise	Common Stock ^F1	1,800	$26.41	$48K
Exercise Price or Tax Liability	Common Stock ^F1	1,322	$35.98	$48K
holding	Stock Options ^F2	--	--	--
holding	Stock Options ^F2	--	--	--
holding	Stock Options ^F2	--	--	--
holding	Stock Options ^F2	--	--	--
holding	Restricted Stock Units ^{F3, F4}	--	--	--
holding	Common Stock ^F1	--	--	--

Holdings After Transaction: Stock Options — 10,354 contracts (Direct); Common Stock — 43,595 shares (Direct); Restricted Stock Units — 544 contracts (Direct); Common Stock — 21,622 shares (Indirect, By Deborah Ratner Salzberg Trust)

Footnotes (4)

F1. This Form 4 has been amended to reflect 6,990 shares held by the reporting person's trust. Such shares were transferred from direct ownership to the trust on June 14, 2023, without any change in the reporting person's aggregate beneficial ownership.
F2. The Stock Options vest in four equal annual installments beginning on the first anniversary of the date of grant.
F3. Each Restricted Stock Unit represents the right to receive one share of common stock.
F4. The Restricted Stock Unit will vest on 3/2/2027.

Key Figures

Common shares acquired through option exercise: 1,800 shares Option exercise price: $26.41 per share Shares delivered or withheld: 1,322 shares +5 more

8 metrics

Common shares acquired through option exercise 1,800 shares September 25, 2026

Option exercise price $26.41 per share Options exercised September 25, 2026

Shares delivered or withheld 1,322 shares For payment of exercise price or tax liability on September 25, 2026

Indirect common shares held by trust 21,622 shares Reported position on September 25, 2026

Option position expiring January 1, 2028 2,352 underlying shares at a $23.54 exercise price Direct option position

Option position expiring January 1, 2029 2,400 underlying shares at a $24.20 exercise price Direct option position

Option position expiring March 3, 2030 3,500 underlying shares at a $30.51 exercise price Direct option position

Restricted stock units 544 units Scheduled to vest March 2, 2027; each unit represents the right to receive one common share

Key Terms

Stock Options, Restricted Stock Unit, aggregate beneficial ownership

3 terms

Stock Options financial

"The Stock Options vest in four equal annual installments"

Stock options are agreements that give a person the right to buy or sell a company's stock at a specific price within a certain time frame. They are often used as a reward or incentive, similar to a coupon that can be used later if the stock price rises, allowing the holder to make a profit.

Restricted Stock Unit financial

"Each Restricted Stock Unit represents the right to receive one share"

A restricted stock unit is a promise from a company to give an employee shares of stock after certain conditions are met, like staying with the company for a set amount of time. It’s like earning a bonus that turns into company stock once you’ve proven your commitment, making it a way to motivate and reward employees.

aggregate beneficial ownership financial

"without any change in the reporting person's aggregate beneficial ownership"

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

How many CBNK shares did Deborah Ratnersalzberg acquire through options?

Deborah Ratnersalzberg exercised options for 1,800 common shares at a $26.41 exercise price on September 25, 2026.

How many CBNK shares were delivered or withheld for exercise costs or taxes?

1,322 shares were delivered or withheld for payment of exercise price or tax liability on September 25, 2026.

What stock options does Deborah Ratnersalzberg still hold?

The reported direct option positions cover 2,352 shares at $23.54, expiring January 1, 2028; 2,400 shares at $24.20, expiring January 1, 2029; 3,500 shares at $30.51, expiring March 3, 2030; and 2,102 shares at $29.41, expiring March 2, 2031.

How many CBNK shares are reported in Deborah Ratnersalzberg’s trust?

The reported indirect position is 21,622 common shares held by the Deborah Ratner Salzberg Trust. The amendment notes that 6,990 shares were transferred from direct ownership to the trust on June 14, 2023, without changing aggregate beneficial ownership.

When do Deborah Ratnersalzberg’s CBNK restricted stock units vest?

The reported 544 restricted stock units vest on March 2, 2027. Each unit represents the right to receive one common share.

AI-generated analysis. How Rhea-AI works. Not financial advice.

Form 4 Insider Transactions: What Each Field Means →

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Available on EDGAR 10/16/2026 - 04:03 PM EDT Accepted by SEC EDGAR 10/16/2026 - 04:02 PM EDT

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

RATNERSALZBERG DEBORAH

(Last)

(First)

(Middle)

2275 RESEARCH BLVD.

SUITE 600

(Street)

ROCKVILLE

MARYLAND

20850

(City)

(State)

(Zip)

UNITED STATES

(Country)

2. Issuer Name and Ticker or Trading Symbol
Capital Bancorp Inc [ CBNK ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director	10% Owner
	Officer (give title below)	Other (specify below)

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
09/25/2026

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

4. If Amendment, Date of Original Filed (Month/Day/Year)
09/28/2026

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	Code	V	Amount	(A) or (D)	Price		6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
Common Stock	09/25/2026		M		1,800	A	$26.41	44,917⁽¹⁾	D
Common Stock	09/25/2026		F		1,322	D	$35.98	43,595⁽¹⁾	D
Common Stock								21,622⁽¹⁾	I	By Deborah Ratner Salzberg Trust

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares	8. Price of Derivative Security (Instr. 5)		10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
Stock Options	$26.41	09/25/2026		M			1,800	12/31/2022⁽²⁾	12/31/2026	Common Stock	1,800	$0	0	D
Stock Options	$23.54							01/01/2024⁽²⁾	01/01/2028	Common Stock	2,352		2,352	D
Stock Options	$24.2							01/01/2025⁽²⁾	01/01/2029	Common Stock	2,400		2,400	D
Stock Options	$30.51							03/03/2026⁽²⁾	03/03/2030	Common Stock	3,500		3,500	D
Stock Options	$29.41							03/02/2027⁽²⁾	03/02/2031	Common Stock	2,102		2,102	D
Restricted Stock Units	⁽³⁾							⁽⁴⁾	⁽⁴⁾	Common Stock	544		544	D

Explanation of Responses:

1. This Form 4 has been amended to reflect 6,990 shares held by the reporting person's trust. Such shares were transferred from direct ownership to the trust on June 14, 2023, without any change in the reporting person's aggregate beneficial ownership.

2. The Stock Options vest in four equal annual installments beginning on the first anniversary of the date of grant.

3. Each Restricted Stock Unit represents the right to receive one share of common stock.

4. The Restricted Stock Unit will vest on 3/2/2027.

Remarks:

	/s/ Deborah Ratner Salzberg, by Connie Egan as Attorney in Fact	10/16/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
* Form 4: SEC 1474 (03-26)

Source: View Original Filing on SEC EDGAR