{"schema_version":"secwatch.filing_event.v1","accession":"0001419536-23-000108","form_type":"8-K","ticker":"CBNK","cik":"0001419536","company_name":"Capital Bancorp Inc","filed_at":"2023-07-27T23:59:59+00:00","discovered_at":"2026-05-14T18:03:33.870268+00:00","generated_at":"2026-06-13T00:15:28.150462+00:00","sec_items":["2.02","9.01","8.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Capital Bancorp Q2 EPS $0.52, down 36% YoY; dividend raised 33% to $0.08","bullets":["Net income $7.3M ($0.52 diluted EPS) vs $9.7M ($0.68) in Q1 2023 and $11.5M ($0.80) in Q2 2022.","Dividend declared $0.08 per share, 33.3% increase from prior quarter; payable Aug 23, record Aug 7.","Average deposits grew $110.4M (25% annualized); average portfolio loans up $50.3M in Q2.","Net interest margin 6.63%, stable vs 6.65% prior quarter; adjusted NIM (ex-credit card/PPP) improved to 4.06%.","Noninterest expense $29.6M rose 12.9% QoQ driven by $2.1M marketing spend for OpenSky acquisition."],"urls":{"canonical":"https://secwatch.observer/filing/0001419536-23-000108","json":"https://secwatch.observer/filing/0001419536-23-000108.json","markdown":"https://secwatch.observer/filing/0001419536-23-000108.md","text":"https://secwatch.observer/filing/0001419536-23-000108.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1419536/000141953623000108/0001419536-23-000108-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1419536/000141953623000108/cbnk-20230727.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-13T00:15:28.150462+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":"115a5f400d2a3e9af85882dd4891b9f6ab7bdc43","claim":"Capital Bancorp Inc reported second quarter 2023 results: net income $7.3 million, EPS $0.52 per diluted share.","evidence_excerpt":"Capital Bancorp, Inc. (the \"Company\") (NASDAQ: CBNK), the holding company for Capital Bank, N.A. (the \"Bank\"), today reported net income of $7.3 million, or $0.52 per diluted share, for the second quarter 2023","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1419536/000141953623000108/0001419536-23-000108-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"second quarter 2023"},{"label":"Net income","value":"$7.3 million"},{"label":"EPS","value":"$0.52 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"}