---
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"
generated_at: "2026-05-27T09:09:23.621455+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Capital Bancorp Q4 GAAP EPS $0.45, adj. $0.92; closes IFH acquisition; organic loan growth 28% annualized

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01, 8.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001419536-25-000004
- JSON: https://secwatch.observer/filing/0001419536-25-000004.json
- Plain text: https://secwatch.observer/filing/0001419536-25-000004.txt

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