---
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"
generated_at: "2026-05-18T00:13:22.262951+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01, 8.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001419536-25-000077
- JSON: https://secwatch.observer/filing/0001419536-25-000077.json
- Plain text: https://secwatch.observer/filing/0001419536-25-000077.txt

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