Capital Bancorp (CBNK) investor relations material

Executive summary

• Achieved net income of $14.3 million and diluted EPS of $0.87 for Q2 2026, up 19.2% sequentially and 11.3% year-over-year.

• Strong loan growth of $59.5 million (7.9% annualized) and deposit growth of $79.1 million (9.6% annualized), with customer deposits up 20.3% annualized and brokered deposits reduced by 23.8%.

• Tangible book value per share increased to $23.45, up 14.7% year-over-year.

• Declared a $0.14 per share dividend, a 16.7% increase from the prior quarter.

• Continued execution on strategic initiatives, including investments in technology, unsecured card platform, and targeted C&I verticals.

Financial highlights

• Total assets grew to $3.9 billion, up 14.8% year-over-year.

• Portfolio loans reached $3.09 billion, up 12.6% year-over-year.

• Deposits totaled $3.37 billion, up 14.6% year-over-year.

• Net interest margin (NIM) was 5.64%; core NIM was 4.04%.

• Fee revenue reached $14.4 million, up 7.4% sequentially and 9.6% year-over-year, representing 22.0% of total revenue.

Outlook and guidance

• Management expects continued organic growth, supported by investments in technology, unsecured card, card partnerships, data infrastructure, and business lines.

• Strategic focus remains on expanding customer relationships, growing the balance sheet, and delivering sustainable long-term growth.