secwatch.observer — SEC 8-K summary
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Issuer:     Capital Bancorp Inc (CBNK)
CIK:        0001419536
Form:       8-K
Filed at:   2025-07-28T23:59:59+00:00
Accession:  0001419536-25-000077
Event type: earnings
Sentiment:  positive
Materiality: 0.65
Item codes: 2.02, 9.01, 8.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1419536/000141953625000077/0001419536-25-000077-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1419536/000141953625000077/cbnk-20250728.htm
  HTML page:      https://secwatch.observer/filing/0001419536-25-000077

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer