---
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"
generated_at: "2026-05-23T04:51:44.831459+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- 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/1419536/000141953625000058/0001419536-25-000058-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1419536/000141953625000058/cbnk-20250428.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001419536-25-000058
- JSON: https://secwatch.observer/filing/0001419536-25-000058.json
- Plain text: https://secwatch.observer/filing/0001419536-25-000058.txt

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