{"schema_version":"secwatch.filing_event.v1","accession":"0001419536-25-000004","form_type":"8-K","ticker":"CBNK","cik":"0001419536","company_name":"Capital Bancorp Inc","filed_at":"2025-01-27T23:59:59+00:00","discovered_at":"2026-05-14T18:03:03.583219+00:00","generated_at":"2026-05-27T09:09:23.621455+00:00","sec_items":["2.02","9.01","8.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Capital Bancorp Q4 GAAP EPS $0.45, adj. $0.92; closes IFH acquisition; organic loan growth 28% annualized","bullets":["GAAP net income $7.5M ($0.45 EPS); adj. net income $15.5M ($0.92 EPS) excl. merger costs, IFH ACL, and $2.6M write-down.","Acquired IFH Oct 1, adding $559.4M assets, $373.5M loans, $459.0M deposits; merger-related expenses $2.6M in Q4.","Organic loan growth $149.1M (28.2% annualized) and deposit growth $116.7M (21.2% annualized); total loans up $522.6M.","NIM fell to 5.87% from 6.41% QoQ; core NIM (ex-OpenSky) stable at 4.05% vs 4.08%.","Declared $0.10 dividend payable Feb 26, 2025; tangible book value $18.77, down 6.8% from $20.13 due to purchase accounting."],"urls":{"canonical":"https://secwatch.observer/filing/0001419536-25-000004","json":"https://secwatch.observer/filing/0001419536-25-000004.json","markdown":"https://secwatch.observer/filing/0001419536-25-000004.md","text":"https://secwatch.observer/filing/0001419536-25-000004.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1419536/000141953625000004/0001419536-25-000004-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1419536/000141953625000004/cbnk-20250127.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T09:09:23.621455+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}