Capital Bancorp Q1 net income $13.9M ($0.82 EPS); core NIM expands to 6.05%

Capital Bancorp Inc

2025-Q1 EPS reported $0.82

Net income $13.9M ($0.82 diluted EPS) vs $7.5M ($0.45) in Q4 2024 and $6.6M ($0.47) in Q1 2024.
Core net income $14.9M ($0.88); NIM improved 18 bps to 6.05%; NII up 3.9% QoQ and 31.5% YoY.
Gross loans grew $48.2M (7.4% annualized); total deposits up $129.4M (19% annualized) from Q4.
Dividend of $0.10/share declared, payable May 28 to record May 12; book value per share $22.19.
Successful IFH integration; cost synergies $1.75M achieved ahead of schedule; core ROTCE 18.77%.

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