Capital Bancorp, Inc. filed its Form 10-Q with the SEC for the quarterly period ended June 30, 2026, reporting net income, balance sheet growth, and key earnings-per-share figures for both the second quarter and first half of the year.

Key Highlights

  • Q2 2026 net income: $14,250 thousand, compared to $13,136 thousand in Q2 2025, according to the filing.
  • Six-month net income: $26,268 thousand for the first half of 2026, versus $27,068 thousand for the same period in 2025.
  • Diluted EPS: $0.87 for Q2 2026 and $1.60 for the six months ended June 30, 2026, as reported in the filing.
  • Total assets: $3,889,938 thousand as of June 30, 2026, up from $3,606,207 thousand at December 31, 2025.
  • Total deposits: $3,371,103 thousand at June 30, 2026, compared to $3,093,200 thousand at year-end 2025.
  • Shares outstanding: 16,290,456 shares of common stock as of August 5, 2026, per the filing cover page.
  • Total stockholders' equity: $422,205 thousand at June 30, 2026, up from $401,757 thousand at December 31, 2025.

Capital Bancorp's Balance Sheet and Income Results for the First Half of 2026

Capital Bancorp, Inc. (NASDAQ: CBNK), headquartered in Rockville, Maryland, disclosed in its quarterly report that total interest income for Q2 2026 reached $69,959 thousand, up from $64,586 thousand in Q2 2025. Net interest income for the second quarter was $50,929 thousand, compared to $47,646 thousand for the same quarter a year earlier. For the six months ended June 30, 2026, net interest income totaled $100,327 thousand versus $93,693 thousand in the prior-year period.

The company reported total noninterest income of $14,361 thousand for Q2 2026 and $27,734 thousand for the first half of 2026. Total noninterest expenses were $43,186 thousand in Q2 2026 and $86,867 thousand for the first six months, compared to $39,572 thousand and $77,625 thousand, respectively, in the prior-year periods. The filing noted no merger-related expenses in Q2 2026, whereas $1,398 thousand was recorded in Q2 2025. Provision for credit losses was $3,585 thousand in Q2 2026, against $4,081 thousand in Q2 2025.

On the balance sheet, portfolio loans receivable, net of deferred fees and costs, stood at $3,085,950 thousand at June 30, 2026, up from $2,959,457 thousand at December 31, 2025. The allowance for credit losses was $54,431 thousand at June 30, 2026. Cash and cash equivalents grew to $418,259 thousand from $255,565 thousand at year-end 2025. Accumulated other comprehensive loss was $(6,278) thousand at June 30, 2026, compared to $(5,760) thousand at December 31, 2025. The company paid cash dividends of $0.10 per share in each of the first two quarters of 2025, as reflected in the statements of changes in stockholders' equity.

What Was Disclosed

Capital Bancorp filed its quarterly report covering the period ended June 30, 2026, disclosing consolidated income statements, balance sheets, and changes in stockholders' equity for both the three-month and six-month periods, along with share count and dividend information.