Capital Bancorp insider reports RSU settlement and tax share disposal

Rhea-AI Filing Summary

Capital Bancorp (CBNK) reported insider equity activity by President and COO Steven M. Poynot. On 10/11/2025, 666 common shares were acquired via the settlement of restricted stock units (transaction code M) at $0. The same day, 201 shares were disposed of (code F) at $28.76, typically for tax withholding.

Following these transactions, holdings were 1,397 shares direct and 5,253 shares indirect (by IRA). Derivative holdings include 1,131 RSUs and multiple option grants with scheduled vesting per the award terms.

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

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

1. Name and Address of Reporting Person^*

Poynot Steven M

(Last) (First) (Middle)

2275 RESEARCH BLVD, SUITE 600

(Street)

ROCKVILLE MD 20850

(City) (State) (Zip)

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

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

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

3. Date of Earliest Transaction (Month/Day/Year)
10/11/2025

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

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

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

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)
			Code	V	Amount	(A) or (D)	Price
Common Stock	10/11/2025		M		666	A	$0	1,598	D
Common Stock	10/11/2025		F		201	D	$28.76	1,397	D
Common Stock								5,253	I	By IRA

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)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares
Restricted Stock Units	(1)	10/11/2025		M			666	(2)	(2)	Common Stock	666	$0	0	D
Stock Options	$24.25							10/11/2023(3)	10/11/2027	Common Stock	2,000		2,000	D
Stock Options	$23.54							01/01/2024(3)	01/01/2028	Common Stock	2,300		2,300	D
Stock Options	$24.2							01/01/2025(3)	01/01/2029	Common Stock	5,160		5,160	D
Stock Options	$30.51							03/03/2026(3)	03/03/2030	Common Stock	4,192		4,192	D
Restricted Stock Units	(1)							(4)	(4)	Common Stock	1,131		1,131	D

Explanation of Responses:

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

2. The Restricted Stock Unit will vest in three equal annual installments beginning 10/11/2023.

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

4. The Restricted Stock Unit will vest in four equal annual installments beginning 3/3/2026.

Remarks:

	/s/ Steven M. Poynot, by Connie Egan as Attorney in Fact	10/15/2025
	** 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.
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FAQ

What did CBNK disclose on this Form 4?

The President and COO, Steven M. Poynot, acquired 666 shares via RSU settlement and disposed of 201 shares at $28.76 on 10/11/2025.

How many CBNK shares does the insider hold after the transactions?

Post-transaction holdings are 1,397 shares direct and 5,253 shares indirect (by IRA).

What do the Form 4 transaction codes M and F mean for CBNK?

Code M reflects exercise/settlement of a derivative (RSUs); code F indicates shares disposed to cover taxes.

What price was used for the disposed CBNK shares?

The 201 shares disposed carried a price of $28.76.

What derivative awards remain outstanding for the insider at CBNK?

The filing lists 1,131 RSUs outstanding and option grants in various tranches with scheduled vesting and expirations.

When do the RSUs and options vest for the CBNK insider?

RSUs that settled were part of awards vesting annually from 10/11/2023; another RSU award vests in four annual installments beginning 3/3/2026.