---
schema_version: "secwatch.filing_event.v1"
accession: "0001419536-25-000099"
form_type: "8-K"
ticker: "CBNK"
cik: "0001419536"
company_name: "Capital Bancorp Inc"
filed_at: "2025-10-27T23:59:59+00:00"
generated_at: "2026-05-17T02:09:35.292274+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Capital Bancorp 3Q25 GAAP EPS $0.89, core EPS $0.72; declares $0.12 dividend

## Summary
- GAAP net income $15.1M ($0.89/diluted share); core net income $12.2M ($0.72/share).
- Gross loans grew $82.2M (11.9% annualized) in Q3; total deposits fell $28.7M.
- Net interest margin 6.36%, up 32 bps QoQ; net interest income rose $4.4M to $52.0M.
- Book value per share $23.80 (+$0.88 QoQ); tangible book value $21.27 (+$0.63 QoQ).
- Board declared $0.12/share dividend, payable Nov 26 to holders of record Nov 10.

## SEC filing metadata
- accession: 0001419536-25-000099
- form_type: 8-K
- ticker: CBNK
- cik: 0001419536
- company_name: Capital Bancorp Inc
- filed_at: 2025-10-27T23:59:59+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/1419536/000141953625000099/0001419536-25-000099-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1419536/000141953625000099/cbnk-20251027.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001419536-25-000099
- JSON: https://secwatch.observer/filing/0001419536-25-000099.json
- Plain text: https://secwatch.observer/filing/0001419536-25-000099.txt

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