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Capital Bancorp CBNK Commercial Bank — Regulatory assessment expenses

Other segment segments

OpenSky™
$214K+1,327%
CBHL
$64K+2,033%
Windsor Advantage™
$64K+967%

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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×

Where this comes from

Reported directly by Capital Bancorp in its filing.

Tagged under the XBRL concept cbnk:RegulatoryAssessmentsExpense.

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
Advertising7655982971561,816
Loan processing92727192681,475
Operational and other card fraud related losses72618690
Regulatory assessment expenses5832146464925
Other operating1,2776395581212,595
Total noninterest expenses20,67215,3904,2822,84243,186
Net income (loss) before taxes$16,061$1,013$2,277$(897)$18,454
Total assets$3,689,273$143,716$27,818$29,131$3,889,938

Item 1. CONSOLIDATED FINANCIAL STATEMENTS

FAQ

What is Capital Bancorp's commercial bank — regulatory assessment expenses?
Capital Bancorp (CBNK) reported commercial bank — regulatory assessment expenses of $583K in Q2 2026.
How has Capital Bancorp's commercial bank — regulatory assessment expenses changed year-over-year?
Capital Bancorp's commercial bank — regulatory assessment expenses decreased by 32.2% year-over-year, from $860K to $583K.
What does commercial bank — regulatory assessment expenses mean?
Includes mandatory fees paid to government agencies and regulatory bodies for deposit insurance and oversight compliance. This metric is a non-discretionary cost of doing business that reflects the regulatory burden on the commercial banking segment.

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