{"schema_version":"secwatch.filing_event.v1","accession":"0001419536-26-000006","form_type":"8-K","ticker":"CBNK","cik":"0001419536","company_name":"Capital Bancorp Inc","filed_at":"2026-01-26T23:59:59+00:00","discovered_at":"2026-05-14T18:02:35.038388+00:00","generated_at":"2026-05-16T07:53:39.624943+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 reports Q4 2025 EPS of $0.91, up from $0.45 YoY; full-year record earnings","bullets":["GAAP net income $15.0M ($0.91 EPS) vs $7.5M ($0.45) a year ago; core net income $15.0M ($0.91).","Gross loans grew $137.5M (19.3% annualized) in Q4; total deposits up $180.9M (24.6% annualized).","Net interest margin 5.94%, down 42 bps sequentially but up 7 bps YoY; net interest income up 13.4% YoY.","Book value per share $24.54 (+$3.23 YoY); tangible book value $22.05 (+15.5% YoY).","Board declared $0.12/share dividend payable Feb 28; repurchased 304,288 shares at avg $28.12 in Q4."],"urls":{"canonical":"https://secwatch.observer/filing/0001419536-26-000006","json":"https://secwatch.observer/filing/0001419536-26-000006.json","markdown":"https://secwatch.observer/filing/0001419536-26-000006.md","text":"https://secwatch.observer/filing/0001419536-26-000006.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1419536/000141953626000006/0001419536-26-000006-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1419536/000141953626000006/cbnk-20260126.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T07:53:39.624943+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"}