Capital Bancorp Inc

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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.