CBNK on Nasdaq
Capital Bancorp Inc
American national commercial bank, incorporated in Maryland1
In its 2026 annual report the company says: “We serve businesses, not-for-profit associations, entrepreneurs and others throughout the Washington, D.C., Baltimore, other Maryland markets, Delaware, Florida, Illinois, and North Carolina through seven commercial bank branches, one mortgage banking office, three loan production offices, three government loan servicing offices, and one credit card operations office.”3 It is headquartered in Rockville, Maryland.1 Its shares trade on Nasdaq under the symbol CBNK.1
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Last updated Oct 21, 2026.
Overview
- TickerCBNK on Nasdaq1
- IndustryNational Commercial Banks1
- HeadquartersRockville, Maryland1
- Incorporated inMD2
- Business addressOne Church Street, Suite 300, Rockville, Md 208502
- Filer categoryAccelerated filer2
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We are Capital Bancorp, Inc., a bank holding company and a Maryland corporation incorporated in 1998, operating primarily through our wholly-owned subsidiary, Capital Bank, N.A., a commercial-focused community bank based in the Washington, D.C. and Baltimore metropolitan areas. The Bank is headquartered in Rockville, Maryland, received its charter in 1999 and began operations the same year. We serve businesses, not-for-profit associations, entrepreneurs and others throughout the Washington, D.C., Baltimore, other Maryland markets, Delaware, Florida, Illinois, and North Carolina through seven commercial bank branches, one mortgage banking office, three loan production offices, three government loan servicing offices, and one credit card operations office.3 From its latest annual report
Financials
From the company’s reports to the SEC. Every number links to the filing it came from.
What sells
Revenue by product, business segment and region, as the company reports it to the SEC.
Products and services
Credit Card brought in 38% of the revenue Capital Bancorp Inc broke down this way in fiscal 2025.
Products and services by year
| Products and services | 2024 | 2025 |
|---|---|---|
| Credit Card | $16.0M | $17.4M |
| Government Loan Servicing | $4.0M | $15.5M |
| Mortgage Banking | $7.1M | $7.5M |
| Government Lending | $2.3M | $4.2M |
| Bank Servicing | $883.0K | $1.3M |
Financial statements
Every line of the income statement as filed: the last 2 fiscal years, latest first.4
| Period ending | 2025-12-31 | 2024-12-31 |
|---|---|---|
| Loans, including fees | $245.3M | $202.9M |
| Investment securities available-for-sale | $7.0M | $5.4M |
| Federal funds sold and other | $8.6M | $4.9M |
| Total interest income | $260.9M | $213.3M |
| Deposits | $63.8M | $56.2M |
| Borrowed funds | $1.1M | $2.4M |
| Total interest expense | $64.9M | $58.6M |
| Net interest income | $196.0M | $154.7M |
| Provision for credit losses | $15.0M | $17.7M |
| Provision for credit losses on unfunded commitments | $188.0K | $385.0K |
| Net interest income after provision for credit losses | $180.8M | $136.6M |
| Loan servicing rights | $545.0K | $1.0M |
| Non-recurring equity and debt investment write-down | $0 | -$2.6M |
| Other income | $2.8M | $2.7M |
| Noninterest loss | $49.2M | $31.4M |
| Salaries and employee benefits | $72.2M | $56.0M |
| Occupancy and equipment | $11.4M | $8.2M |
| Professional fees | $11.0M | $7.8M |
| Data processing | $29.8M | $27.7M |
| Advertising | $6.3M | $6.4M |
| Loan processing | $4.0M | $2.4M |
| Merger-related expenses | $3.4M | $3.9M |
| Operational and other card fraud related losses | $3.5M | $3.7M |
| Regulatory assessment expenses | $3.4M | $1.9M |
| Other operating | $10.3M | $8.0M |
| Total noninterest expenses | $155.1M | $126.2M |
| Income before income taxes | $74.9M | $41.8M |
| Income tax expense | $17.8M | $10.9M |
| Net income | $57.2M | $31.0M |
| Basic earnings per share (in dollars per share) | $3.45 | $2.12 |
| Diluted earnings per share (in dollars per share) | $3.41 | $2.12 |
| Basic (in shares) | 16.6M shares | 14.6M shares |
| Diluted (in shares) | 16.8M shares | 14.6M shares |
No quarter-by-quarter statement was filed.
Every line of the balance sheet as filed: the last 3 fiscal years (annual) or 3 quarters (quarterly), latest first.4
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Cash and due from banks | $30.9M | $25.4M | |
| Interest-bearing deposits at other financial institutions | $224.6M | $179.8M | |
| Federal funds sold | $60.0K | $58.0K | |
| Total cash and cash equivalents | $255.6M | $205.3M | |
| Investment securities available-for-sale | $230.1M | $223.6M | |
| Restricted investments | $8.4M | $4.5M | |
| Loans held for sale | $25.8M | $17.1M | |
| Portfolio loans receivable, net of deferred fees and costs | $3.0B | $2.6B | |
| Less allowance for credit losses | -$54.7M | -$48.7M | -$28.6M |
| Total portfolio loans held for investment, net | $2.9B | $2.6B | |
| Premises and equipment, net | $15.1M | $15.5M | |
| Accrued interest receivable | $16.7M | $16.7M | |
| Goodwill | $26.0M | $21.1M | $0 |
| Intangible assets | $14.8M | $15.8M | |
| Loan servicing assets | $1.8M | $5.5M | $0 |
| Deferred tax asset | $15.0M | $16.7M | |
| Bank owned life insurance | $45.5M | $44.0M | |
| Other assets | $46.7M | $39.6M | |
| Total assets | $3.6B | $3.2B | |
| Noninterest-bearing | $852.7M | $810.9M | |
| Interest-bearing | $2.2B | $2.0B | |
| Total deposits | $3.1B | $2.8B | |
| Federal Home Loan Bank advances | $50.0M | $22.0M | |
| Other borrowed funds | $2.1M | $12.1M | |
| Accrued interest payable | $8.7M | $9.4M | |
| Other liabilities | $50.4M | $46.4M | |
| Total liabilities | $3.2B | $2.9B | |
| Common stock, $.01 par value; 49,000,000 shares authorized; 16,373,288 and 16,662,626 issued and outstanding | $164.0K | $167.0K | |
| Additional paid-in capital | $114.6M | $123.6M | |
| Retained earnings | $292.7M | $242.9M | |
| Accumulated other comprehensive loss | -$5.8M | -$11.5M | |
| Total stockholders' equity | $401.8M | $355.1M | $254.9M |
| Total liabilities and stockholders' equity | $3.6B | $3.2B | |
| Common stock, par value (in dollars per share) | $0.01 | $0.01 | |
| Common stock, shares authorized (in shares) | 49.0M shares | 49.0M shares | |
| Common stock, shares issued (in shares) | 16.4M shares | 16.7M shares | |
| Common stock, shares outstanding (in shares) | 16.4M shares | 16.7M shares |
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Cash and due from banks | $30.9M | $25.4M | |
| Interest-bearing deposits at other financial institutions | $224.6M | $179.8M | |
| Federal funds sold | $60.0K | $58.0K | |
| Total cash and cash equivalents | $255.6M | $205.3M | |
| Investment securities available-for-sale | $230.1M | $223.6M | |
| Restricted investments | $8.4M | $4.5M | |
| Loans held for sale | $25.8M | $17.1M | |
| Portfolio loans receivable, net of deferred fees and costs | $3.0B | $2.6B | |
| Less allowance for credit losses | -$54.7M | -$48.7M | -$28.6M |
| Total portfolio loans held for investment, net | $2.9B | $2.6B | |
| Premises and equipment, net | $15.1M | $15.5M | |
| Accrued interest receivable | $16.7M | $16.7M | |
| Goodwill | $26.0M | $21.1M | $0 |
| Intangible assets | $14.8M | $15.8M | |
| Loan servicing assets | $1.8M | $5.5M | $0 |
| Deferred tax asset | $15.0M | $16.7M | |
| Bank owned life insurance | $45.5M | $44.0M | |
| Other assets | $46.7M | $39.6M | |
| Total assets | $3.6B | $3.2B | |
| Noninterest-bearing | $852.7M | $810.9M | |
| Interest-bearing | $2.2B | $2.0B | |
| Total deposits | $3.1B | $2.8B | |
| Federal Home Loan Bank advances | $50.0M | $22.0M | |
| Other borrowed funds | $2.1M | $12.1M | |
| Accrued interest payable | $8.7M | $9.4M | |
| Other liabilities | $50.4M | $46.4M | |
| Total liabilities | $3.2B | $2.9B | |
| Common stock, $.01 par value; 49,000,000 shares authorized; 16,373,288 and 16,662,626 issued and outstanding | $164.0K | $167.0K | |
| Additional paid-in capital | $114.6M | $123.6M | |
| Retained earnings | $292.7M | $242.9M | |
| Accumulated other comprehensive loss | -$5.8M | -$11.5M | |
| Total stockholders' equity | $401.8M | $355.1M | $254.9M |
| Total liabilities and stockholders' equity | $3.6B | $3.2B | |
| Common stock, par value (in dollars per share) | $0.01 | $0.01 | |
| Common stock, shares authorized (in shares) | 49.0M shares | 49.0M shares | |
| Common stock, shares issued (in shares) | 16.4M shares | 16.7M shares | |
| Common stock, shares outstanding (in shares) | 16.4M shares | 16.7M shares |
Cash flow is reported year to date, not quarter by quarter, so there are no separate quarterly figures.
Every line of the cash flow as filed: the last 2 fiscal years, latest first.4
| Period ending | 2025-12-31 | 2024-12-31 |
|---|---|---|
| Net income | $57.2M | $31.0M |
| Provision for credit losses | $15.0M | $17.7M |
| Provision for credit losses on unfunded commitments | $188.0K | $385.0K |
| Provision for (release of) mortgage put-back reserve, net | $79.0K | -$68.0K |
| Net (accretion) amortization on investment securities available-for-sale | -$150.0K | $100.0K |
| Premises and equipment depreciation | $1.4M | $737.0K |
| Lease asset amortization | $1.4M | $1.2M |
| Amortization of intangible assets | $1.0M | $262.0K |
| Extinguishment of leases | $0 | -$2.9M |
| Increase in cash surrender value of BOLI | -$1.5M | -$1.5M |
| Net decrease (increase) in loan servicing assets | $1.6M | -$996.0K |
| Executive long-term incentive plan expense | $889.0K | $516.0K |
| Stock-based compensation expense | $1.6M | $1.9M |
| Director and employee compensation paid in Company stock | $1.2M | $517.0K |
| Deferred income tax expense (benefit) | $1.1M | -$1.8M |
| (Increase) decrease in valuation of loans held for sale carried at fair value | -$62.0K | $32.0K |
| Proceeds from sales of loans held for sale | $352.8M | $281.4M |
| Originations of loans held for sale | -$357.3M | -$292.9M |
| Government lending revenue | -$4.2M | -$2.3M |
| Accrued interest receivable | -$31.0K | -$762.0K |
| Taxes payable | -$3.0M | $3.4M |
| Other assets | -$3.4M | -$15.5M |
| Accrued interest payable | -$648.0K | $2.5M |
| Other liabilities | $4.6M | $12.0M |
| Net cash provided by operating activities | $69.7M | $34.9M |
| Purchases of securities available-for-sale | -$54.9M | -$65.4M |
| Proceeds from calls and maturities of securities available-for-sale | $56.1M | $53.2M |
| Net purchases of restricted investments | -$3.9M | -$126.0K |
| Net increase in portfolio loans receivable | -$345.8M | -$320.7M |
| Net purchases of premises and equipment | -$2.4M | -$2.2M |
| Cash received from acquisitions, net | $0 | $65.2M |
| Net cash used in investing activities | -$350.9M | -$270.0M |
| Noninterest-bearing deposits | $41.8M | $107.9M |
| Interest-bearing deposits | $289.4M | $299.0M |
| Federal Home Loan Bank advances | $28.0M | $0 |
| Other borrowed funds | -$10.0M | -$15.0M |
| Dividends paid | -$7.3M | -$5.3M |
| Repurchase of common stock | -$11.7M | -$1.4M |
| Net proceeds from exercise of stock | $1.2M | $1.1M |
| Net cash provided by financing activities | $331.4M | $386.4M |
| Net increase in cash and cash equivalents | $50.2M | $151.4M |
| Loans transferred to foreclosed real estate | $3.9M | $0 |
| Change in unrealized gains on investments | $7.5M | $2.2M |
| Fair value of assets acquired, net of cash received | $0 | $460.5M |
| Goodwill from acquisition | $0 | $21.1M |
| Fair value of liabilities assumed | $0 | $475.9M |
| Common Stock issued related to acquisition | $0 | $27.0K |
| Goodwill measurement period adjustment | $4.7M | $0 |
| Taxes | $18.8M | $9.1M |
| Interest | $65.5M | $54.7M |
No quarter-by-quarter statement was filed.
Corporate structure
Capital Bancorp Inc sits at the top of its group. 1 entity, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.
Major holders of Capital Bancorp Inc
- Joshua Bernstein Filed SCHEDULE 13G/A on Capital Bancorp Inc, latest Feb 17, 2026 (5 filings since Feb 14, 2022)
- James F. Whalen Filed SCHEDULE 13G/A on Capital Bancorp Inc, latest Feb 13, 2026 (5 filings since Feb 15, 2022)
- Randall James Levitt Filed SCHEDULE 13G/A on Capital Bancorp Inc, latest Feb 13, 2026 (7 filings since Feb 16, 2022)
- Steven Jay Schwartz Filed SCHEDULE 13G/A on Capital Bancorp Inc, latest Feb 11, 2025 (4 filings since Feb 14, 2022)
- Capital Bancorp Inc Rockville, Maryland
Built from major holders from Schedules 13D and 13G. Each entity in the chart links to its source.
What it owns
What Capital Bancorp Inc reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.
Property and equipment
| Item | Latest | A year before | Change |
|---|---|---|---|
| Property and equipment, net | $15.1M4 Dec 31, 2025 | $15.5M4 Dec 31, 2024 | −2.9% |
Investments
| Item | Latest | A year before | Change |
|---|---|---|---|
| Loans, net of allowance | $2.9B4 Dec 31, 2025 | $2.6B4 Dec 31, 2024 | +12.5% |
| Deposits held (banks) | $3.1B4 Dec 31, 2025 | $2.8B4 Dec 31, 2024 | +12.0% |
Intangibles and goodwill
| Item | Latest | A year before | Change |
|---|---|---|---|
| Goodwill | $26.0M4 Dec 31, 2025 | $21.1M4 Dec 31, 2024 | +22.9% |
| Finite-lived intangibles, gross | $16.1M4 Dec 31, 2025 | $16.1M4 Dec 31, 2024 | 0% |
| Accumulated amortization | $1.3M4 Dec 31, 2025 | $262.0K4 Dec 31, 2024 | +399.2% |
| Finite-lived intangibles, net | $14.8M4 Dec 31, 2025 | $15.8M4 Dec 31, 2024 | −6.6% |
Properties, in its own words
Our headquarters are currently located at 2275 Research Boulevard, Suite 600, Rockville, Maryland 20850. The following table summarizes pertinent details of our commercial bank branch locations, mortgage banking offices, loan production offices (“LPO”), government loan servicing offices, and our credit card operations office. Our mortgage offices typically contain both origination and operations professionals.
Location · Owned/Leased · Lease Expiration · Type of office
The rest of Item 2
One Church StreetSuite 100Rockville, MD 20850 · Leased · 12/31/2026 · Commercial Branch
2275 Research Blvd.Suites 600 & 700Rockville, MD 20850 · Leased · 5/31/2030 · Corporate
6711 Columbia Gateway DriveSuite 170Columbia, MD 21046 · Leased · 11/30/2027 · Commercial Branch/LPO
110 Gibraltar RoadSuite 130Horsham, PA 19044 · Leased · 10/31/2029 · OpenSky™ Operations
185 Harry S. Truman ParkwaySuite 100Annapolis, MD 21401 · Leased · 11/30/2026 · Mortgage Office
1400 W Street, NWSuite 170 Washington, DC 20009 · Leased · 2/28/2033 · Commercial Branch
1900 Campus Commons DriveSuite 130Reston, VA 20191 · Leased · 1/31/2032 · Commercial Branch, LPO, and OpenSky™ Headquarters
1104 Kenilworth DriveSuite 210 Towson, MD 21204 · Leased · 1/31/2027 · LPO
550 South Andrews AvenueSuite 640Fort Lauderdale, FL 33301 · Leased · 8/31/2029 · Commercial Branch
8450 Falls of Neuse RoadSuite 204 Raleigh, NC 27615 · Owned · Commercial Branch and Office
7820 West 26th StreetNorth Riverside, IL 60546 · Owned · Commercial Branch
320 North Meridian StreetSuite 212Indianapolis, IN 46204 · Leased · 6/30/2029 · Windsor AdvantageTM Office
444 North Wells StreetSuites 205 & 206Chicago, IL 60654 · Leased · 7/31/2030 · Windsor AdvantageTM Office
997 Morrison DriveSuite 503Charleston, SC 29403 · Leased · 6/30/2027 · Windsor AdvantageTM Office
Item 2 of the 10-K filed Mar 16, 2026.3
Leadership
Who has led Capital Bancorp Inc, and when. Pick a name to see everywhere that person has worked.
Chief executive
Chief financial officer
Chief operating officer
- Chief executive officerEdward F. Barry Sep 26, 2018 to now12
- Chief financial officerJacob Dalaya Mar 4, 2026 to now13
- Chief financial officerDominic C. Canuso Jul 16, 2024 to Mar 4, 202614
- Chief financial officerJennings Walker Jul 3, 2023 to Jun 27, 202415
- Chief financial officerAlan W. Jackson Sep 26, 2018 to May 22, 202316
- Chief operating officerJames Como Jul 20, 2026 to now17
- Chief operating officerKarl Dicker Sep 26, 2018 to May 24, 202218
Board members and other officers (24)
- EVP, Chief Information OfficerAnguel Lindarev Mar 22, 2024 to now19
- SVP, Head of Windsor AdvantageMichael Breckheimer Oct 2, 2024 to now20
- EVP and President of OpenSkyKarl Dicker Jan 4, 2023 to now21
- EVP & CIOSandeep Uthra Mar 10, 2023 to Mar 10, 202322
- SVP & CAOConstance E. Perrine Mar 20, 2023 to now23
- EVP, Chief Marketing OfficerJeffrey Kaye Apr 10, 2023 to now24
- Chief Risk OfficerGary M. Kausmeyer Apr 13, 2023 to now25
- EVP, Chief Strategy OfficerJacob Dalaya Oct 31, 2023 to now26
- EVP and CHROEric M. Suss Sep 26, 2018 to now27
- Executive V.P. and Chief C.O.Kathy M. Curtis Sep 26, 2018 to Mar 3, 202028
- Executive VP & Chief CreditKathy Yamada Sep 26, 2018 to now29
- Executive V.P., CMO, and GMNick Bryan Sep 26, 2018 to Oct 25, 201930
- Board memberMark Caplan Nov 24, 2025 to now31
- Board memberMarc H. McConnell Oct 2, 2024 to now32
- Board memberFred Joseph Lewis Feb 9, 2023 to now33
- Board memberMary Ann Scully Jul 24, 2023 to now34
- Board memberJoseph M. Greene Feb 19, 2021 to Jan 4, 202335
- Board memberDeborah Ratnersalzberg Sep 26, 2018 to now36
- Board memberEdward F. Barry Sep 26, 2018 to now12
- Board memberJoshua Bernstein Sep 26, 2018 to now37
- Board memberRandall James Levitt Sep 26, 2018 to now38
- Board memberStephen N. Ashman Sep 26, 2018 to Nov 24, 202139
- Board memberSteven Jay Schwartz Sep 26, 2018 to now40
- Board memberC. Scott Brannan Dec 21, 2018 to now41
Timeline
- Sep 30, 20268-K Entered a material agreement42
- Sep 30, 20268-K Other events43
- Aug 14, 20268-K Change of auditor44
- Jul 27, 20268-K Results of operations; Other events45
- Jun 17, 20268-K Regulation FD disclosure46
- Jun 1, 20268-K Shareholder vote47
- Apr 27, 20268-K Results of operations; Other events48
- Mar 18, 20268-K Other events49
- Feb 10, 20268-K Executive or director change50
- Jan 28, 20268-K Other events51
- Jan 26, 20268-K Results of operations; Other events52
- Dec 31, 20258-K Executive or director change; Regulation FD disclosure53
- Sep 26, 2018New chief executive Edward F. Barry becomes CEO12
Calendar
Coming up
- Oct 26, 2026Reports results for the quarter ending Sep/2026 A year earlier it reported $0.72 a share, on Oct 27, 2025.54
When it reported results
- Jul 27, 2026Reported quarterly or annual results45
- Apr 27, 2026Reported quarterly or annual results48
- Jan 26, 2026Reported quarterly or annual results52
- Oct 27, 2025Reported quarterly or annual results55
- Jul 28, 2025Reported quarterly or annual results56
- Apr 28, 2025Reported quarterly or annual results57
- Jan 27, 2025Reported quarterly or annual results58
- Oct 28, 2024Reported quarterly or annual results59
Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar
Filings
413 filings to the SEC since October 2021: 5 annual reports, 15 quarterly reports, 76 major events, 269 insider forms, 21 large holders, 27 other. The latest 20:
- Oct 7, 20264 EDGAR
- Sep 30, 20264 EDGAR
- Sep 30, 2026425 EDGAR
- Sep 30, 20268-K EDGAR
- Sep 30, 2026425 EDGAR
- Sep 30, 20268-K EDGAR
- Sep 29, 20264 EDGAR
- Sep 28, 20264 EDGAR
- Sep 28, 20264 EDGAR
- Sep 25, 20264 EDGAR
- Sep 25, 20264 EDGAR
- Sep 24, 20264 EDGAR
- Sep 24, 20264 EDGAR
- Aug 14, 20268-K EDGAR
- Aug 7, 202610-Q EDGAR
- Jul 27, 20268-K EDGAR
- Jul 20, 20264 EDGAR
- Jul 20, 20263 EDGAR
- Jun 17, 20268-K EDGAR
- Jun 1, 20268-K EDGAR
The 413 filings since October 2021 can be filtered by form type and year here when JavaScript is on.
Every filing from the last five years, summarized. The full record is on SEC EDGAR.
Insider trades
34 open-market trades by officers, directors and large owners since October 2021: 18 buys and 16 sales. Grants, option exercises and gifts are left out.
| Date | Who | Trade | Shares | Price | Value | Filing |
|---|---|---|---|---|---|---|
| Nov 12, 2025 | Canuso Dominic C | Sale | 3,400 | $27.95 | $95.0K | Form 4 |
| Aug 27, 2025 | Levitt Randall JamesDirector | Sale | 37,338 | $34.37 | $1.3M | Form 4 |
| Aug 26, 2025 | Levitt Randall JamesDirector | Sale | 2,662 | $34.41 | $91.6K | Form 4 |
| Jul 31, 2025 | Canuso Dominic C | Buy | 600 | $31.11 | $18.7K | Form 4 |
| May 28, 2025 | Suss Eric M.EVP and CHRO | Buy | 169 | $32.85 | $5.6K | Form 4 |
| May 14, 2025 | Poynot Steven MChief Operating Officer | Buy | 750 | $33.35 | $25.0K | Form 4 |
| Mar 12, 2025 | Canuso Dominic C | Buy | 900 | $28.16 | $25.3K | Form 4 |
| Mar 4, 2025 | Canuso Dominic C | Buy | 500 | $29.37 | $14.7K | Form 4 |
| Feb 7, 2025 | Levitt Randall JamesDirector | Sale | 14,500 | $32.30 | $468.4K | Form 4 |
| Nov 21, 2024 | Barry Edward FChief Executive Officer | Buy | 1,204 | $27.78 | $33.4K | Form 4 |
| Nov 21, 2024 | Suss Eric M.EVP and CHRO | Buy | 199 | $27.78 | $5.5K | Form 4 |
| Nov 4, 2024 | Canuso Dominic C | Buy | 1,000 | $25.52 | $25.5K | Form 4 |
| Nov 1, 2024 | Poynot Steven MChief Operating Officer | Buy | 2,000 | $25.36 | $50.7K | Form 4 |
| Nov 1, 2024 | Canuso Dominic C | Buy | 1,000 | $25.42 | $25.4K | Form 4 |
| Jul 31, 2024 | Scully Mary AnnDirector | Buy | 2,000 | $25.14 | $50.3K | Form 4 |
| Sep 7, 2023 | Scully Mary AnnDirector | Buy | 5,500 | $19.68 | $108.2K | Form 4 |
| Jun 14, 2023 | Perrine Constance ESVP & CAO | Buy | 4 | $19.20 | $77 | Form 4 |
| Jun 2, 2023 | Poynot Steven MChief Operating Officer | Buy | 1,500 | $17.05 | $25.6K | Form 4 |
| Mar 14, 2023 | Poynot Steven MChief Operating Officer | Buy | 1,000 | $17.00 | $17.0K | Form 4 |
| Mar 14, 2023 | Poynot Steven MChief Operating Officer | Buy | 1,000 | $17.00 | $17.0K | Form 4 |
All 34 trades can be filtered by person here when JavaScript is on.
From Forms 4 filed with the SEC.
Major holders
Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.
- Joshua BernsteinSCHEDULE 13G/A, 5 filings Feb 14, 2022 to Feb 17, 202660
- James F. WhalenSCHEDULE 13G/A, 5 filings Feb 15, 2022 to Feb 13, 202661
- Randall James LevittSCHEDULE 13G/A, 7 filings Feb 16, 2022 to Feb 13, 202662
- Steven Jay SchwartzSCHEDULE 13G/A, 4 filings Feb 14, 2022 to Feb 11, 202563
Executive pay
What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.
| Year | Executive | Age | Salary | Total pay |
|---|---|---|---|---|
| 2025 | Edward F. BarryChief Executive Officer | $726.2K | $1.4M64 | |
| 2025 | Karl DickerPresident of OpenSky ™ & Fintech | 51 | $404.5K | $768.0K64 |
| 2025 | Steven M. PoynotChief Operating Officer | 47 | $415.0K | $748.6K64 |
| 2024 | Edward F. BarryChief Executive Officer | $664.0K | $1.6M64 | |
| 2024 | Karl DickerPresident of OpenSky ™ & Fintech | 51 | $389.9K | $709.6K64 |
| 2024 | Steven M. PoynotChief Operating Officer | 47 | $379.2K | $633.3K64 |
Held by these funds
The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026, the top 25 of 100. Change is in shares since the quarter before.
13F reports cover disclosed long positions in U.S. stocks only.
SEC filer profile
How Capital Bancorp Inc is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.
- Name on EDGARCapital Bancorp Inc1
- CIK0001419536
- Employer ID (EIN)52-20830463
- Filer statusAccelerated filer not an emerging growth company; a smaller reporting company; not a shell company3
- Incorporated inMaryland3
- Fiscal year endsDecember 311
- Industry code (SIC)6021 National Commercial Banks1
- SEC reviewing officeOffice of Finance, Division of Corporation Finance1
- Business addressOne Church Street, Suite 300, Rockville, MD 208501
- Phone(301) 868-88481
- Shares outstanding16,290,456 as of Aug 5, 202611
- Public float$374.6M as of Jun 30, 20253
- AuditorElliott Davis, PLLC, Raleigh, North Carolina PCAOB ID 149; it also attests to the company’s internal control over financial reporting3
- On EDGAR sinceNov 26, 20071
- Filings711 in all: 4 (397), 8-K (112), 3 (34), 10-Q (24), 4/A (22), SC 13G/A (19), 5 (14), SCHEDULE 13G/A (9)1
All 37 form types
10-K (8), DEF 14A (8), SC 13G (8), 425 (7), 8-K/A (4), CORRESP (4), DRSLTR (4), S-8 (4), UPLOAD (4), ARS (3), D (3), DRS/A (3), DEFA14A (2), EFFECT (2), PRE 14A (2), 144 (1), 3/A (1), 424B3 (1), 424B4 (1), 8-A12B (1), CERT (1), DRS (1), FWP (1), NT 10-Q (1), REGDEX (1), S-1 (1), S-1/A (1), S-4 (1), S-4/A (1)
- Latest filingsAnnual report (10-K) Mar 16, 2026
Quarterly report (10-Q) Aug 7, 2026
Proxy statement (DEF 14A) Apr 7, 2026
Latest 8-K (8-K) Sep 30, 2026
Securities registered for trading
| Class | Symbol | Exchange |
|---|---|---|
| Common Stock, par value $0.01 per share | CBNK | The NASDAQ Stock Market, LLC |
From the cover page of the 10-K filed Mar 16, 2026 (Section 12(b) of the Exchange Act).3
Risk factors and legal proceedings
The risks Capital Bancorp Inc names in Item 1A of its 10-K filed Mar 16, 2026: 41 risks under these headings, as written.3
- Risks Related to Our Business
- As a business operating in the financial services industry, our business and operations may be adversely affected in numerous and complex ways by weak economic conditions.
- Adverse developments affecting financial institutions or the financial services industry generally, such as actual events or concerns involving liquidity, defaults or non-performance, could adversely affect our operations and liquidity.
- Our commercial business and operations are concentrated in the greater Washington, D.C. and Baltimore metropolitan areas and we are sensitive to adverse changes in the local economy.
- Our customers and businesses in the Washington, D.C. metropolitan area may be adversely impacted as a result of the government shutdown and changes in government spending.
- We may not be able to measure and limit our credit risk adequately, which could lead to unexpected losses.
- Our ACL may prove to be insufficient to absorb life-time losses in our loan portfolio, which may adversely affect our business, financial condition and results of operations.
- The small- to medium-sized businesses that we lend to may have fewer resources to weather adverse business developments, which may impair our borrowers’ ability to repay loans.
- Our commercial real estate and real estate construction loan portfolio exposes us to credit risks that may be greater than the risks related to other types of loans.
- Because a significant portion of our loan portfolio held for investment is comprised of real estate loans, negative changes in the economy affecting real estate values and liquidity could impair the value of collateral securing our real estate loans and result in loan and other losses.
- A portion of our loan portfolio is comprised of commercial loans secured by receivables, inventory, equipment or other commercial collateral, the deterioration in value of which could expose us to credit losses.
- Appraisals and other valuation techniques we use in evaluating and monitoring loans secured by real property, other real estate owned and repossessed personal property may not accurately describe the net value of the asset.
The other 30 risks
- We engage in lending secured by real estate and may be forced to foreclose on the collateral and own the underlying real estate, subjecting us to the costs and potential risks associated with the ownership of the real property, or consumer protection initiatives or changes in state or federal law may substantially raise the cost of foreclosure or prevent us from foreclosing at all.
- A lack of liquidity could impair our ability to fund operations and adversely impact our business, financial condition and results of operations.
- We have several large depositor relationships, the loss of which could force us to fund our business through more expensive and less stable sources.
- Our mortgage banking division may not meaningfully contribute to noninterest income.
- We earn income by originating residential mortgage loans for resale in the secondary mortgage market, and disruptions in that market could reduce our operating income.
- Our financial condition, earnings and asset quality could be adversely affected if we are required to repurchase loans originated for sale by our mortgage banking division.
- Delinquencies and credit losses from our OpenSky™ credit card division could adversely affect our business, financial condition and results of operations.
- The inability of our OpenSky™ credit card division to continue its growth rate could adversely affect our earnings.
- Our participation in government guaranteed lending activities subjects us to additional risks.
- Any modification or reduction in the level of government support for government guaranteed loan programs could result in a significant impact to our results of operations.
- Changes to renewable energy tax credits and federal incentive programs could adversely affect certain lending opportunities.
- We are subject to interest rate risk as fluctuations in interest rates may adversely affect our earnings.
- We could recognize losses on investment securities held in our securities portfolio, particularly if interest rates increase or economic and market conditions deteriorate.
- We face strong competition from financial services companies and other companies that offer banking services.
- System failure or cybersecurity breaches of our network security could subject us to increased operating costs as well as litigation and other potential losses and regulatory implications.
- We face security risks, including denial of service attacks, hacking, malware intrusion and data corruption attempts, and identity theft that could result in the disclosure of confidential information, materially and adversely affect our business or reputation, and create significant legal and financial exposure.
- Failure to maintain an effective system of internal control and disclosure controls and procedures could have a material adverse effect on our results of operations, financial condition and stock price.
- Risks Related to Our Operations and the Regulation of Our Industry
- We operate in a highly regulated environment and the laws and regulations that govern our operations, corporate governance, executive compensation and accounting principles, or changes in them, or our failure to comply with them, could adversely affect us.
- Federal banking agencies periodically conduct examinations of our business, including compliance with laws and regulations, and our failure to comply with any supervisory actions to which we are or become subject as a result of such examinations could adversely affect us.
- Regulatory requirements affecting our loans secured by commercial real estate could limit our ability to leverage our capital and adversely affect our growth and profitability.
- Severe weather, earthquakes, other natural disasters, climate change, pandemics, acts of war or terrorism and other external and geopolitical events could significantly impact the business.
- The development and use of AI presents risks that may adversely impact our business.
- Risks Related to Strategic Growth
- A merger or acquisition requires us to make estimates, including the fair value of acquired assets and assumed liabilities.
- If our goodwill were determined to be impaired, it could have a negative impact on our profitability.
- Acquisitions may disrupt our business.
- Risks Related to Ownership of Our Common Stock
- The market price of our common stock may be subject to substantial fluctuations, which may make it difficult for you to sell your shares at the volume, prices and times desired.
- The market price of our common stock could decline significantly and you may experience future dilution due to actual or anticipated issuances or sales of our common stock in the future.
- Our management and board of directors have significant control over our business.
- Our common stock is subordinate to our existing and future indebtedness and preferred stock.
- Provisions in our governing documents and Maryland law may have an anti-takeover effect, and there are substantial regulatory limitations on changes of control of bank holding companies.
Legal proceedings
From time to time, we are a party to various litigation matters incidental to the ordinary conduct of our business. We are not presently a party to any legal proceedings likely to result in a material, adverse effect on our financial statements.
The opening of Item 3, Legal Proceedings.3
Sources
The numbers on this page point here. Each one links to the record it came from.
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- 17SEC EDGARJames Como, Chief operating officer
- 18SEC EDGARKarl Dicker, Chief operating officer
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- 22SEC EDGARSandeep Uthra, EVP & CIO
- 23SEC EDGARConstance E. Perrine, SVP & CAO
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- 27SEC EDGAREric M. Suss, EVP and CHRO
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- 31SEC EDGARMark Caplan, Board member
- 32SEC EDGARMarc H. McConnell, Board member
- 33SEC EDGARFred Joseph Lewis, Board member
- 34SEC EDGARMary Ann Scully, Board member
- 35SEC EDGARJoseph M. Greene, Board member
- 36SEC EDGARDeborah Ratnersalzberg, Board member
- 37SEC EDGARJoshua Bernstein, Board member
- 38SEC EDGARRandall James Levitt, Board member
- 39SEC EDGARStephen N. Ashman, Board member
- 40SEC EDGARSteven Jay Schwartz, Board member
- 41SEC EDGARC. Scott Brannan, Board member
- 42SEC EDGAREntered a material agreement
- 43SEC EDGAROther events
- 44SEC EDGARChange of auditor
- 45SEC EDGARResults of operations; Other events
- 46SEC EDGARRegulation FD disclosure
- 47SEC EDGARShareholder vote
- 48SEC EDGARResults of operations; Other events
- 49SEC EDGAROther events
- 50SEC EDGARExecutive or director change
- 51SEC EDGAROther events
- 52SEC EDGARResults of operations; Other events
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