---
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"
generated_at: "2026-05-16T07:53:39.624943+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Capital Bancorp reports Q4 2025 EPS of $0.91, up from $0.45 YoY; full-year record earnings

## Summary
- 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.

## SEC filing metadata
- 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
- 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/1419536/000141953626000006/0001419536-26-000006-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1419536/000141953626000006/cbnk-20260126.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001419536-26-000006
- JSON: https://secwatch.observer/filing/0001419536-26-000006.json
- Plain text: https://secwatch.observer/filing/0001419536-26-000006.txt

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