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Capital Bancorp (CBNK) investor relations material
Capital Bancorp Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary27 Oct, 2025
Executive summary
Achieved Q3 2025 GAAP net income of $15.1M ($0.89 per share), up 73.7% year-over-year, driven by organic growth and the IFH acquisition.
Core net income was $12.2M ($0.72 per share), reflecting adjustments for non-recurring items.
Book value per share increased to $23.80, up 18.2% year-over-year; tangible book value per share rose 5.7% to $21.27.
Diversified business model with significant contributions from Commercial Banking, OpenSky, and Windsor Advantage.
Share price and tangible book value per share have significantly outperformed industry benchmarks since IPO.
Financial highlights
Total assets reached $3.39B at September 30, 2025, up 32.3% year-over-year; portfolio loans at $2.82B, up 33.9%; deposits at $2.91B, up 33.2%.
Net interest income for Q3 2025 was $52.0M, up 35.6% year-over-year; net interest margin (NIM) at 6.36%.
Noninterest income rose 66.8% to $11.1M, with government loan servicing and credit card fees as key drivers.
Book value per share increased to $23.80; tangible book value per share rose to $21.27.
Efficiency ratio improved to 60.8% from 66.07% a year ago; core efficiency ratio at 64.4%.
Outlook and guidance
Management expects continued growth from the IFH acquisition, higher SBA volumes, and stabilization or decline in mortgage rates.
Focus remains on expense management, cross-selling, and investments in technology and infrastructure.
Credit metrics are expected to remain stable, with recent upticks attributed to acquired IFH loans.
Ongoing monitoring of economic and political risks, including government shutdown impacts.
Detail IFH loan impact on credit metrics.
How did non-recurring items affect 3Q NIM?
Current impact of tech investment on core earnings.
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Next Capital Bancorp earnings date
Q4 202526 Jan, 2026
Next Capital Bancorp earnings date
Q4 202526 Jan, 2026
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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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