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 director Deborah Ratnersalzberg exercised 1,800 stock options on September 25, 2026, at $26.41 per share, acquiring 1,800 common shares. On that date, 1,322 shares were delivered or withheld for payment of exercise price or tax liability; no Rule 10b5-1 plan is reported. Her reported positions include 14,632 common shares held indirectly by Deborah Ratner Salzberg Trust and 544 restricted stock units, which vest March 2, 2027.
Capital Bancorp Inc director Fred Joseph Lewis exercised stock options on September 25, 2026, to acquire common stock in four tranches: 2,250 shares at $26.41 per share, 2,616 at $23.54, 1,700 at $24.20, and 1,000 at $30.51. The options vest in four equal annual installments beginning on the first anniversary of the grant date.
Capital Bancorp Inc director Brannan C Scott exercised options on September 24, 2026, to acquire 2,250 common shares at an exercise price of $26.41. His directly held common shares following the transaction were 5,454. No Rule 10b5-1 plan is reported; the reported holdings also include unexercised options and 952 restricted stock units.
Randall James Levitt, a director of Capital Bancorp Inc (CBNK), exercised options covering 2,250 shares at a $26.41 exercise price on September 23, 2026. The corresponding common shares were held by Randall James Levitt Revocable Trust, whose reported position after the exercise was 269,758 shares. Listed direct positions also include options covering 2,788, 2,800, 3,000 and 5,256 shares at exercise prices of $23.54, $24.20, $30.51 and $29.41, plus 1,360 restricted stock units scheduled to vest March 2, 2027. No Rule 10b5-1 plan is reported.
Capital Bancorp Inc director Marc H McConnell exercised options on September 23, 2026, acquiring 646 common shares at a $16.09 exercise price and 375 common shares at a $30.51 exercise price. His reported awards also include options covering 1,614 and 526 common shares, with exercise prices of $17.95 and $29.41, respectively, plus 136 restricted stock units scheduled to vest March 2, 2027. Indirect holdings include 156,926 shares through McConnell Legacy Investments, LLC; 44,823 through Marc H McConnell Revocable Trust; 3,345 through Marc H McConnell IRA; and 557 shares each held by his son and daughter.
Capital Bancorp Inc director Steven Jay Schwartz exercised options on September 22, 2026, to acquire 2,750 common shares at an exercise price of $26.41 per share. His reported direct common-stock holdings after the exercise were 72,706 shares.
A separate indirect position through Prudent Investments, LLC comprised 663,313 shares. The reported positions also include four stock-option lots covering 3,485, 4,400, 4,000 and 7,096 underlying shares, and 1,836 restricted stock units scheduled to vest March 2, 2027.
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.