{"schema_version":"secwatch.filing_event.v1","accession":"0001419536-23-000074","form_type":"8-K","ticker":"CBNK","cik":"0001419536","company_name":"Capital Bancorp Inc","filed_at":"2023-04-21T23:59:59+00:00","discovered_at":"2026-05-14T18:03:38.790781+00:00","generated_at":"2026-06-16T21:14:08.858511+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Capital Bancorp Q1 2023 EPS $0.68, revenue up, but NPAs rise to 0.73%","bullets":["Net income $9.7M ($0.68 diluted EPS) vs $10.2M ($0.71) in Q1 2022; ROAA 1.84% and ROAE 16.98%.","Total assets $2.25B (+5.8% YoY); portfolio loans up 17% to $1.79B; deposits up 4.4% to $1.94B.","Net interest margin 6.65% (ex credit cards & SBA-PPP at 3.81%, flat YoY).","Nonperforming assets rose to 0.73% of assets from 0.28%, driven by a single $8.2M well-collateralized loan.","OpenSky revenue fell $0.5M on declining active accounts; noninterest income down 27.3% YoY."],"urls":{"canonical":"https://secwatch.observer/filing/0001419536-23-000074","json":"https://secwatch.observer/filing/0001419536-23-000074.json","markdown":"https://secwatch.observer/filing/0001419536-23-000074.md","text":"https://secwatch.observer/filing/0001419536-23-000074.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1419536/000141953623000074/0001419536-23-000074-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1419536/000141953623000074/cbnk-20230420.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-16T21:14:08.858511+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"37fd5b9e9eb0f4e75cc66a54e46199900c44e9e0","claim":"Capital Bancorp Inc reported the three months ended March 31, 2023 results: net income $9.7 million, EPS $0.68 per diluted share.","evidence_excerpt":"today reported net income of $9.7 million, or $0.68 per diluted share, for the first quarter of 2023","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1419536/000141953623000074/0001419536-23-000074-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the three months ended March 31, 2023"},{"label":"Net income","value":"$9.7 million"},{"label":"EPS","value":"$0.68 per diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}