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Capital Bancorp CBNK Government loan servicing revenue — Noninterest income

Other product segments

Credit card fees
$4.4M+2.3%
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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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
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
Noninterest expenses

Item 1. CONSOLIDATED FINANCIAL STATEMENTS

FAQ

What is Capital Bancorp's government loan servicing revenue — noninterest income?
Capital Bancorp (CBNK) reported government loan servicing revenue — noninterest income of $5.3M in Q2 2026.
How has Capital Bancorp's government loan servicing revenue — noninterest income changed year-over-year?
Capital Bancorp's government loan servicing revenue — noninterest income increased by 45.5% year-over-year, from $3.64M to $5.3M.
What does government loan servicing revenue — noninterest income mean?
This metric represents the portion of revenue derived from government loan servicing activities that is classified as noninterest income. It reflects the bank's ability to generate fee-based income from specialized government-backed lending programs rather than traditional interest rate spreads. This income stream is a key indicator of the bank's diversification into service-oriented financial products.

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