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Capital Bancorp
Capital Bancorp (CBNK) investor relations material
Capital Bancorp Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary26 Jan, 2026
Executive summary
Achieved strong loan growth of $137.5 million (19.3% annualized) and deposit growth of $180.9 million (24.6% annualized) in Q4 2025.
Net income for Q4 2025 was $15.0 million; full-year 2025 net income reached $57.2 million.
Diluted EPS for Q4 2025 was $0.91, more than double the $0.45 in Q4 2024 and up $0.02 from Q3 2025.
Book value per share rose to $24.54, up $0.74 from Q3 2025 and $3.23 from Q4 2024; tangible book value per share increased 15.5% year-over-year.
Successfully completed the integration of IFH, enhancing operational scale and supporting business diversification.
Financial highlights
Net interest margin (NIM) for Q4 2025 was 5.94%; commercial bank NIM was 4.18%.
Net interest income for Q4 2025 was $50.3 million, down $1.7 million from Q3 2025 but up $6.0 million year-over-year.
Fee revenue was $12.5 million, 19.9% of total revenue, up $1.4 million from Q3 2025, mainly from SBIC income.
Efficiency ratio improved to 62.3% in Q4 2025 from 66.7% in Q4 2024.
Noninterest expense was $39.1 million, up $0.7 million sequentially and $1.6 million year-over-year, driven by professional fees and technology investments.
Outlook and guidance
Positioned for continued profitable organic growth, supported by investments in technology and human capital.
Management plans to pursue bolt-on and other acquisitions and continue the stock buyback program.
Well-capitalized to support future expansion and withstand market volatility.
IFH impact on nonperforming assets
Impact of non-recurring items on NII and NIM
What drives future organic growth
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Next Capital Bancorp earnings date
Q1 202621 Apr, 2026
Capital Bancorp
Next Capital Bancorp earnings date
Q1 202621 Apr, 2026
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Frequently asked questions
Capital Bancorp Inc. is a bank holding company headquartered in Rockville, Maryland. It operates through its primary subsidiary, Capital Bank, N.A., a Maryland-chartered commercial bank. The company provides a range of banking services, focusing on commercial and consumer banking within the Washington D.C. metropolitan area. It operates through three main segments: Commercial Banking, Capital Bank Home Loans, and OpenSky. Capital Bank Home Loans offers residential mortgage lending services across all 50 states, while OpenSky provides credit card services nationwide. The company is headquartered in Rockville, Maryland, and its shares are listed on the NASDAQ.
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