{"schema_version":"secwatch.filing_event.v1","accession":"0001419536-25-000077","form_type":"8-K","ticker":"CBNK","cik":"0001419536","company_name":"Capital Bancorp Inc","filed_at":"2025-07-28T23:59:59+00:00","discovered_at":"2026-05-14T18:02:43.945771+00:00","generated_at":"2026-05-18T00:13:22.262951+00:00","sec_items":["2.02","9.01","8.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Capital Bancorp Q2 2025 GAAP EPS $0.78, core EPS $0.85; declares $0.12 dividend, up 20%","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001419536-25-000077","json":"https://secwatch.observer/filing/0001419536-25-000077.json","markdown":"https://secwatch.observer/filing/0001419536-25-000077.md","text":"https://secwatch.observer/filing/0001419536-25-000077.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1419536/000141953625000077/0001419536-25-000077-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1419536/000141953625000077/cbnk-20250728.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-18T00:13:22.262951+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"}