---
schema_version: "secwatch.filing_event.v1"
accession: "0001628280-24-001848"
form_type: "8-K"
ticker: "CBNK"
cik: "0001419536"
company_name: "Capital Bancorp Inc"
filed_at: "2024-01-22T23:59:59+00:00"
generated_at: "2026-06-06T20:33:28.058875+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Capital Bancorp Q4 net income $9.0M, EPS $0.65; annual dividend raised 33% to $0.08/share

## Summary
- Net income $9.0M ($0.65 diluted EPS) vs $9.8M ($0.70) Q3 2023; full-year net income $35.9M vs $41.8M in 2022.
- Net interest margin 6.40% down from 6.71% QoQ; net interest income $34.9M decreased $1.9M from Q3.
- Loan growth $40.7M (8.7% annualized); tangible book value $18.31 up 4.5% QoQ and 15.6% YoY.
- Nonperforming assets 0.72% of total assets; net charge-offs $2.5M in Q4, including $0.7M on a $7.6M multi-unit residential loan.
- Cash dividend $0.08 per share declared, payable Feb 21 to holders of record Feb 5; up from $0.06 in prior year.

## SEC filing metadata
- accession: 0001628280-24-001848
- form_type: 8-K
- ticker: CBNK
- cik: 0001419536
- company_name: Capital Bancorp Inc
- filed_at: 2024-01-22T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- 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/1419536/000162828024001848/0001628280-24-001848-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1419536/000162828024001848/cbnk-20240122.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001628280-24-001848
- JSON: https://secwatch.observer/filing/0001628280-24-001848.json
- Plain text: https://secwatch.observer/filing/0001628280-24-001848.txt

## Key facts
- Earnings Releases
  Capital Bancorp Inc reported three months and year ended December 31, 2023 results: net income $9.0 million, EPS $0.65 per diluted share.
  - Period: three months and year ended December 31, 2023
  - Net income: $9.0 million
  - EPS: $0.65 per diluted share
  - Result: reported results
  source text: Capital Bancorp, Inc. Reports Fourth Quarter 2023 Net Income of $9.0 million, or $0.65 per share
  evidence_url: https://www.sec.gov/Archives/edgar/data/1419536/000162828024001848/0001628280-24-001848-index.htm

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