What is Capital Bancorp's commercial bank — efficiency ratio?

Capital Bancorp (CBNK) reported commercial bank — efficiency ratio of 57.2% in Q1 2026.

How has Capital Bancorp's commercial bank — efficiency ratio changed year-over-year?

Capital Bancorp's commercial bank — efficiency ratio increased by 4.8% year-over-year, from 54.6% to 57.2%.

What does commercial bank — efficiency ratio mean?

Calculates the proportion of noninterest expenses required to generate a dollar of revenue within the commercial banking segment. This ratio is a key indicator of operational productivity and cost management discipline. Lower values signify that the segment is generating revenue more cost-effectively.

Capital Bancorp CBNK Commercial Bank — Efficiency ratio

Similar metrics at other companies

WFCCommercial Banking — Total noninterest expense

$1.61B-3.7%

VLYCommercial Banking — Non-interest expense

$187.79M+6.2%

BOKFCommercial Banking — Noninterest Expense

$82.31M+4.9%

CFGCommercial Banking — Noninterest Expense

$334M+2.1%

FCNCACommercial Bank — Noninterest Expense

$646M-1.2%

KEYCommercial Bank — Noninterest and Other Expense

$212M+7.1%

Other financials

Income statement

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Revenue$62.8M+7.1%

Operating income-$923.0K+8.4%

Net income$12.0M-13.7%

EPS (diluted)$0.73-11.0%

Balance sheet

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Cash & equivalents$399.3M+35.8%

Total debt$7.6M+38.0%

Total equity$408.9M+10.6%

Total assets$3.8B+13.7%

Cash flow

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Operating cash flow$21.8M-3.6%

CapEx$643.0K+231%

Free cash flow$21.1M-5.6%

Valuation

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Market cap$563.89M+8.2%

Enterprise value$172.15M-26.0%

P/E10.2×-3.4×

P/S2.3×-0.3×

Profitability

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Operating margin-1.6%-0.4pp

Net margin22.2%+3.3pp

FCF margin28.4%-0.5pp

Returns & leverage

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Return on equity14.2%+2.0pp

Debt / equity0×0.0×

Where this comes from

Reported directly by Capital Bancorp in its filing.

Tagged under the XBRL concept cbnk:SegmentEfficiencyRatio.

The official record: Capital Bancorp’s 10-Q, filed May 8, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Capital Bancorp's commercial bank — efficiency ratio?: Capital Bancorp (CBNK) reported commercial bank — efficiency ratio of 57.2% in Q1 2026.
How has Capital Bancorp's commercial bank — efficiency ratio changed year-over-year?: Capital Bancorp's commercial bank — efficiency ratio increased by 4.8% year-over-year, from 54.6% to 57.2%.
What does commercial bank — efficiency ratio mean?: Calculates the proportion of noninterest expenses required to generate a dollar of revenue within the commercial banking segment. This ratio is a key indicator of operational productivity and cost management discipline. Lower values signify that the segment is generating revenue more cost-effectively.