)

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.
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.
Next Capital Bancorp earnings date

Next Capital Bancorp earnings date

The essential earnings season companion
The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
)
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
)
I can't remember the last time an app had such a positive impact on my investment process.
)
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
)
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
)
I can't remember the last time an app had such a positive impact on my investment process.
)
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
)
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
)
)
)
)
Frequently asked questions
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Explore our global coverage