{"schema_version":"secwatch.filing_event.v1","accession":"0001419536-25-000058","form_type":"8-K","ticker":"CBNK","cik":"0001419536","company_name":"Capital Bancorp Inc","filed_at":"2025-04-28T23:59:59+00:00","discovered_at":"2026-05-14T18:02:48.238874+00:00","generated_at":"2026-05-23T04:51:44.831459+00:00","sec_items":["2.02","9.01","8.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Capital Bancorp Q1 net income $13.9M ($0.82 EPS); core NIM expands to 6.05%","bullets":["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%."],"urls":{"canonical":"https://secwatch.observer/filing/0001419536-25-000058","json":"https://secwatch.observer/filing/0001419536-25-000058.json","markdown":"https://secwatch.observer/filing/0001419536-25-000058.md","text":"https://secwatch.observer/filing/0001419536-25-000058.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1419536/000141953625000058/0001419536-25-000058-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1419536/000141953625000058/cbnk-20250428.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T04:51:44.831459+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"}