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Capital Bancorp CBNK Government lending revenue — Noninterest income

Other product segments

Government loan servicing revenue
$5.3M+45.5%
Credit card fees
$4.4M+2.3%
Mortgage banking revenue
$1.96M+11.7%
Service charges on deposits
$409K+56.1%

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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 / equity0×0.0×

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
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)
Other income7956261,7522,228
Total noninterest income14,36113,10627,73425,655

Item 1. CONSOLIDATED FINANCIAL STATEMENTS

FAQ

What is Capital Bancorp's government lending revenue — noninterest income?
Capital Bancorp (CBNK) reported government lending revenue — noninterest income of $1.21M in Q2 2026.
How has Capital Bancorp's government lending revenue — noninterest income changed year-over-year?
Capital Bancorp's government lending revenue — noninterest income decreased by 61.2% year-over-year, from $3.11M to $1.21M.
What does government lending revenue — noninterest income mean?
This metric represents the noninterest income generated specifically from government-guaranteed lending activities or related financial services within a designated business segment. It captures fee-based revenue streams such as loan servicing fees, processing charges, or gains on the sale of government-backed loans. Monitoring this figure helps investors assess the bank's ability to diversify its revenue base through specialized, lower-risk lending programs that do not rely solely on net interest margin.

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