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Capital Bancorp CBNK Credit card fees — Noninterest income

Other product segments

Government loan servicing revenue
$5.3M+45.5%
Mortgage banking revenue
$1.96M+11.7%
Government lending revenue
$1.21M-61.2%
Service charges on deposits
$409K+56.1%

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$70.73M+126%
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$6.84M+33.8%
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UVSPOther service fee income — Noninterest income
$3.32M+5.5%

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

See full
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:RevenueFromContractWithCustomerIncludingAssessedTax.

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
(dollars in thousands, except per share data)Three Months Ended June 30, 2026Three Months Ended June 30, 2025Six Months Ended June 30, 2026Six Months Ended June 30, 2025
Net interest income after provision for credit losses47,27943,56593,45887,366
Noninterest income
Service charges on deposits409262812520
Credit card fees4,3954,2989,0878,020
Mortgage banking revenue1,9601,7543,5163,585
Government lending revenue1,2073,1122,1304,208
Government loan servicing revenue5,3033,6449,6487,212
Loan servicing rights (government guaranteed)292(590)789(118)

Item 1. CONSOLIDATED FINANCIAL STATEMENTS

FAQ

What is Capital Bancorp's credit card fees — noninterest income?
Capital Bancorp (CBNK) reported credit card fees — noninterest income of $4.4M in Q2 2026.
How has Capital Bancorp's credit card fees — noninterest income changed year-over-year?
Capital Bancorp's credit card fees — noninterest income increased by 2.3% year-over-year, from $4.3M to $4.4M.
What is the long-term trend for Capital Bancorp's credit card fees — noninterest income?
Over 4 years (2021 to 2025), Capital Bancorp's credit card fees — noninterest income has grown at a -11.2% compound annual growth rate (CAGR), from $27.89M to $17.37M.
What does credit card fees — noninterest income mean?
This metric represents the revenue generated from fees associated with credit card products, including interchange fees, annual fees, and late payment charges. It serves as a key component of noninterest income, reflecting the bank's ability to monetize its credit card portfolio and payment processing services. Monitoring this figure helps investors assess the profitability and growth trajectory of the bank's consumer or commercial credit card offerings.

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