Capital Bancorp Inc (NASDAQ: CBNK) is a bank holding company that operates through its subsidiary bank to originate loans and gather deposits. It makes money primarily through net interest income, the spread between interest earned on loans and investment securities and interest paid on deposits and borrowed funds, supplemented by noninterest income from credit card fees, mortgage banking revenue, government lending and loan servicing revenue, and service charges on deposits. As of December 31, 2025, the company held a Tier 1 leverage ratio of 10.71% and a total capital ratio of 14.31%, both well above regulatory minimums. Loan products include commercial real estate loans, lender finance loans, and business equity lines of credit. Lender finance loans totaled $41.4 million as of December 31, 2025, up from $28.6 million as of December 31, 2024. Directors, named executive officers, and affiliated insiders beneficially owned approximately 33.2% of outstanding common stock as of December 31, 2025, giving management significant influence over corporate outcomes.

Revenue model

Net interest income from loans and investment securities, plus noninterest income including credit card fees, mortgage banking revenue, government lending revenue, government loan servicing revenue, loan servicing rights, and deposit service charges.

Products and services

Commercial real estate loans (owner-occupied and non-owner-occupied), lender finance loans ($41.4 million as of December 31, 2025), business equity lines of credit ($3.8 million as of December 31, 2025), mortgage banking, government lending, loan servicing, credit cards, and deposit accounts.

Customers and end markets

Commercial borrowers, business owners using residential property as collateral, companies purchasing or extending finance receivables (lender finance), government loan borrowers, and retail deposit customers.

Value-chain role

Community bank holding company acting as direct lender and deposit gatherer, with loan servicing and government lending functions performed in-house.

Geographic exposure

Filing excerpts do not specify geographic footprint beyond U.S. federal regulatory framework references.

Source: SEC 10-K, filed 2026-03-16

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