Capital Bancorp (CBNK) director reports stock option exercise and holdings

Rhea-AI Filing Summary

Capital Bancorp Inc. director Deborah Ratner Salzberg reported exercising 3,000 stock options for common stock on 12/12/2025 at an exercise price of $13.89 per share. To cover obligations, 1,410 shares were withheld and disposed of at $29.57 per share.

After these transactions, she directly owns 46,161 Capital Bancorp common shares and indirectly owns 14,632 shares through the Deborah Ratner Salzberg Trust. She also holds additional stock options covering 1,800, 2,352, 2,400 and 3,500 shares at exercise prices between $23.54 and $30.51, plus 946 restricted stock units scheduled to vest on 3/3/2026.

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).

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 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)

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

3. Date of Earliest Transaction (Month/Day/Year)
12/12/2025

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	12/12/2025		M		3,000	A	$13.89	47,571	D
Common Stock	12/12/2025		F		1,410	D	$29.57	46,161	D
Common Stock								14,632	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)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares
Stock Options	$13.89	12/12/2025		M			3,000	12/31/2021(1)	12/31/2025	Common Stock	3,000	$0	0	D
Stock Options	$26.41							12/31/2022(1)	12/31/2026	Common Stock	1,800		1,800	D
Stock Options	$23.54							01/01/2024(1)	01/01/2028	Common Stock	2,352		2,352	D
Stock Options	$24.2							01/01/2025(1)	01/01/2029	Common Stock	2,400		2,400	D
Stock Options	$30.51							03/03/2026(1)	03/03/2030	Common Stock	3,500		3,500	D
Restricted Stock Units	(2)							(3)	(3)	Common Stock	946		946	D

Explanation of Responses:

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

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

3. The Restricted Stock Unit will vest on 3/3/2026.

Remarks:

	/s/ Deborah Ratner Salzberg, by Connie Egan as Attorney in Fact	12/15/2025
	** 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.
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.

FAQ

What insider transaction did Capital Bancorp Inc (CBNK) disclose for Deborah Ratner Salzberg?

Deborah Ratner Salzberg, a director of Capital Bancorp Inc, exercised 3,000 stock options for common stock on 12/12/2025 at an exercise price of $13.89 per share and had shares withheld to cover obligations.

How many Capital Bancorp (CBNK) shares were withheld or disposed of in the 12/12/2025 transaction?

On 12/12/2025, 1,410 Capital Bancorp common shares were disposed of at $29.57 per share in a transaction reported with code F, typically used for shares withheld to satisfy obligations such as taxes.

How many Capital Bancorp Inc (CBNK) shares does Deborah Ratner Salzberg own after the reported transactions?

After the reported transactions, Deborah Ratner Salzberg directly owns 46,161 Capital Bancorp common shares and indirectly owns 14,632 shares through the Deborah Ratner Salzberg Trust.

What stock options in Capital Bancorp (CBNK) does Deborah Ratner Salzberg still hold?

Following the exercise of 3,000 options at $13.89 (now reduced to zero), she continues to hold stock options covering 1,800, 2,352, 2,400 and 3,500 Capital Bancorp shares with exercise prices of $26.41, $23.54, $24.2 and $30.51, respectively.

What restricted stock units (RSUs) in Capital Bancorp Inc (CBNK) does Deborah Ratner Salzberg have?

She holds 946 restricted stock units, each representing one share of Capital Bancorp common stock. These RSUs are scheduled to vest on 3/3/2026.

What is Deborah Ratner Salzberg's relationship to Capital Bancorp Inc (CBNK)?

Deborah Ratner Salzberg is reported as a director of Capital Bancorp Inc and filed this insider ownership report as a single reporting person.