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Capital Bancorp CBNK Commercial Bank — Efficiency ratio

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Other financials

Income statement

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Revenue$65.3M+7.5%
Operating income-$923.0K+8.4%
Net income$14.3M+8.5%
EPS (diluted)$0.87+11.5%

Balance sheet

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Cash & equivalents$418.3M+52.3%
Total debt$7.8M+55.6%
Total equity$422.2M+11.1%
Total assets$3.9B+14.8%

Cash flow

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Operating cash flow$21.8M-3.6%
CapEx$552.0K+8.0%
Free cash flow$21.1M-5.6%

Valuation

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Market cap$607.8M+16.3%
Enterprise value$197.37M-22.1%
P/E10.8×-1.3×
P/S2.4×0.0×

Profitability

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Operating margin-1.6%-0.4pp
Net margin22.2%+2.6pp
FCF margin28.4%-0.5pp

Returns & leverage

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Return on equity14.1%+0.7pp
Debt / equity0×0.0×

Where this comes from

Reported directly by Capital Bancorp in its filing.

Tagged under the XBRL concept cbnk:SegmentEfficiencyRatio.

The source filing: Capital Bancorp’s 10-Q, filed August 7, 2026.

Filed
Aug 7, 2026, 3:21 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001419536-26-000112

(3) Commercial Bank’s efficiency ratio of 56.8% for the three months ended June 30, 2026 is calculated by dividing noninterest expense by total revenue (net interest income plus noninterest income).

Item 1. CONSOLIDATED FINANCIAL STATEMENTS

FAQ

What is Capital Bancorp's commercial bank — efficiency ratio?
Capital Bancorp (CBNK) reported commercial bank — efficiency ratio of 56.8% in Q2 2026.
How has Capital Bancorp's commercial bank — efficiency ratio changed year-over-year?
Capital Bancorp's commercial bank — efficiency ratio decreased by 1.9% year-over-year, from 57.9% to 56.8%.
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.

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