Capital Bancorp Q2 2025 GAAP EPS $0.78, core EPS $0.85; declares $0.12 dividend, up 20%

Capital Bancorp Inc

2025-Q2 EPS reported $1.60

GAAP net income $13.1M, diluted EPS $0.78; core net income $14.2M, core EPS $0.85.
ROA 1.60%, NIM 6.04%; gross loans grew 9.2% annualized, deposits grew 6.9% annualized.
Dividend declared $0.12/share, payable Aug 27 to record Aug 11, a 20% increase from prior quarterly dividend.
Net charge-offs $5.1M (0.75% annualized); ACL coverage ratio 1.73%, down 8 bps from March 31.
Repurchased 93,170 shares at avg $26.66 for $2.5M during Q2.

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