Capital Bancorp (CBNK) investor relations material

Executive summary

• Net income for Q2 2026 was $14.3 million, with diluted EPS of $0.87, up 19.2% sequentially and 11.3% year-over-year, and ROA of 1.52% and ROTCE of 15.51%.

• Total assets reached $3.89 billion, up 14.8% year-over-year and 7.9% from December 2025, driven by strong loan and deposit growth.

• The company operates four segments: Commercial Banking, OpenSky™ (credit cards), Windsor Advantage™ (SBA/USDA servicing), and Capital Bank Home Loans (mortgage banking).

• 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

• Net interest income rose to $50.9 million, up 6.9% year-over-year, with net interest margin at 5.64% and core NIM at 4.04%.

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

• Noninterest expense was $43.2 million, up 9.1% year-over-year, mainly from higher professional fees, salaries, and occupancy costs.

• Allowance for credit losses was $54.4 million, or 1.76% of portfolio loans, with net charge-offs at 0.50% annualized.

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

Outlook and guidance

• Management expects continued organic growth in loans and deposits, supported by investments in technology, unsecured card platform, and data infrastructure.

• Focus remains on core deposit funding, prudent capital deployment, and regulatory capital compliance.

• Strategic focus on expanding customer relationships and delivering sustainable long-term growth.