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Capital Bancorp CBNK Commercial Bank — Interest Income (Expense), Operating

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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$615.41M+17.7%
Enterprise value$204.98M-19.1%
P/E10.9×-1.2×
P/S2.4×+0.1×

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×

Where this comes from

Reported directly by Capital Bancorp in its filing.

Tagged under the XBRL concept us-gaap:InterestIncomeExpenseNet.

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
For the Three Months Ended June 30, 2026 / (in thousands)For the Three Months Ended June 30, 2026 / Commercial Bank(2)(3)For the Three Months Ended June 30, 2026 / Open Sky™Windsor Advantage™CBHLConsolidated
Interest income$53,712$15,995$252$69,959
Interest expense18,89413619,030
Net interest income34,81815,99511650,929
Provision for credit losses(432)4,0173,585
Provision for credit losses on unfunded commitments6565
Net interest income after provision35,18511,97811647,279
Noninterest income
Service charges on deposits409409

Item 1. CONSOLIDATED FINANCIAL STATEMENTS

FAQ

What is Capital Bancorp's commercial bank — interest income (expense), operating?
Capital Bancorp (CBNK) reported commercial bank — interest income (expense), operating of $34.82M in Q2 2026.
How has Capital Bancorp's commercial bank — interest income (expense), operating changed year-over-year?
Capital Bancorp's commercial bank — interest income (expense), operating increased by 5.3% year-over-year, from $33.07M to $34.82M.
What is the long-term trend for Capital Bancorp's commercial bank — interest income (expense), operating?
Over 4 years (2021 to 2025), Capital Bancorp's commercial bank — interest income (expense), operating has grown at a 20.3% compound annual growth rate (CAGR), from $64.29M to $134.62M.
What does commercial bank — interest income (expense), operating mean?
Calculated as the difference between interest income and interest expense, this represents the net interest income generated by the commercial banking segment. It is a fundamental measure of the segment's core profitability derived from its spread-based business model.

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