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Capital Bancorp (CBNK) investor relations material
Capital Bancorp Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary28 Jul, 2025
Executive summary
Net income for Q2 2025 rose 60.1% year-over-year to $13.1 million, driven by organic growth and the IFH acquisition.
Core earnings per share increased 44.1% year-over-year to $0.85, with book value per share up 19%.
The company operates four segments: Commercial Banking, OpenSky, Windsor Advantage, and Capital Bank Home Loans.
Diversified business model and strong capital ratios have driven outperformance versus peers since IPO.
Dividend increased 20% to $0.12 per share, with ongoing share repurchases.
Financial highlights
Total assets reached $3.39B, up 4.7% sequentially and 39% year-over-year.
Net interest income for Q2 2025 was $47.6 million, up 28.6% year-over-year; net interest margin was 6.04%.
Deposits grew to $2.94B, up 6.9% sequentially and 40% year-over-year.
Noninterest income nearly doubled to $13.1 million, mainly from government loan servicing and lending revenue.
Efficiency ratio improved to 65.1% (core: 62.8%), down from 67.1% (core: 66.9%) year-over-year.
Outlook and guidance
Management expects continued profitable growth, leveraging the IFH acquisition and organic expansion.
Focus remains on loan and deposit expansion, credit management, and shareholder returns.
No material headwinds anticipated; capital levels to be monitored for regulatory compliance.
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Next Capital Bancorp earnings date
Q3 202531 Oct, 2025
Next Capital Bancorp earnings date
Q3 202531 Oct, 2025
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Frequently asked questions
Capital Bancorp Inc. is a bank holding company headquartered in Rockville, Maryland. It operates through its primary subsidiary, Capital Bank, N.A., a Maryland-chartered commercial bank. The company provides a range of banking services, focusing on commercial and consumer banking within the Washington D.C. metropolitan area. It operates through three main segments: Commercial Banking, Capital Bank Home Loans, and OpenSky. Capital Bank Home Loans offers residential mortgage lending services across all 50 states, while OpenSky provides credit card services nationwide. The company is headquartered in Rockville, Maryland, and its shares are listed on the NASDAQ.
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