---
schema_version: "secwatch.filing_event.v1"
accession: "0001419536-23-000117"
form_type: "8-K"
ticker: "CBNK"
cik: "0001419536"
company_name: "Capital Bancorp Inc"
filed_at: "2023-10-23T23:59:59+00:00"
generated_at: "2026-06-09T16:29:06.224570+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Capital Bancorp Q3 net income $9.8M, EPS $0.70; NIM improves to 6.71%

## Summary
- Net income $9.8M ($0.70 diluted EPS) vs $7.3M ($0.52) in Q2 2023 and $11.1M ($0.77) in Q3 2022.
- Net interest margin improved to 6.71% from 6.63% QoQ; portfolio loans grew $24.9M (5.4% annualized).
- Total deposits increased $33.6M to $2.0B; average deposits rose $37.1M QoQ.
- Board declared $0.08/share dividend, payable Nov 22 to holders of record Nov 6.
- Repurchased 100,575 shares at avg $19.47 during Q3; tangible book value $17.48, up 15% YoY.

## SEC filing metadata
- accession: 0001419536-23-000117
- form_type: 8-K
- ticker: CBNK
- cik: 0001419536
- company_name: Capital Bancorp Inc
- filed_at: 2023-10-23T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01, 8.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1419536/000141953623000117/0001419536-23-000117-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1419536/000141953623000117/cbnk-20231023.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001419536-23-000117
- JSON: https://secwatch.observer/filing/0001419536-23-000117.json
- Plain text: https://secwatch.observer/filing/0001419536-23-000117.txt

## Key facts
- Earnings Releases
  Capital Bancorp Inc reported three and nine months ended September 30, 2023 results: net income $9.8 million, EPS $0.70 per diluted share.
  - Period: three and nine months ended September 30, 2023
  - Net income: $9.8 million
  - EPS: $0.70 per diluted share
  - Result: reported results
  source text: Capital Bancorp, Inc. Reports Third Quarter 2023 Net Income of $9.8 million, or $0.70 per share
  evidence_url: https://www.sec.gov/Archives/edgar/data/1419536/000141953623000117/0001419536-23-000117-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.