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Capital Bancorp CBNK Mortgage banking revenue — Noninterest income

Other product segments

Government loan servicing revenue
$5.3M+45.5%
Credit card fees
$4.4M+2.3%
Government lending revenue
$1.21M-61.2%
Service charges on deposits
$409K+56.1%

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$4.31M+53.8%
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CCBReimbursement of expenses — Noninterest income
$2.26M+250%

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
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)
Other income7956261,7522,228

Item 1. CONSOLIDATED FINANCIAL STATEMENTS

FAQ

What is Capital Bancorp's mortgage banking revenue — noninterest income?
Capital Bancorp (CBNK) reported mortgage banking revenue — noninterest income of $1.96M in Q2 2026.
How has Capital Bancorp's mortgage banking revenue — noninterest income changed year-over-year?
Capital Bancorp's mortgage banking revenue — noninterest income increased by 11.7% year-over-year, from $1.75M to $1.96M.
What is the long-term trend for Capital Bancorp's mortgage banking revenue — noninterest income?
Over 4 years (2021 to 2025), Capital Bancorp's mortgage banking revenue — noninterest income has grown at a -22.6% compound annual growth rate (CAGR), from $20.84M to $7.47M.
What does mortgage banking revenue — noninterest income mean?
This metric represents the noninterest income generated specifically from mortgage banking activities, including loan origination fees, gains on the sale of loans in the secondary market, and mortgage servicing rights. It reflects the bank's ability to capture revenue from residential lending operations that is not derived from net interest margin. This revenue stream is highly sensitive to interest rate fluctuations and housing market demand, serving as a key indicator of the bank's diversification into fee-based mortgage services.

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