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Capital Bancorp CBNK Service charges on deposits — 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%
Government lending revenue
$1.21M-61.2%

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$1.41M-7.0%
Chain Bridge Bancorp logo
CBNAService charges on accounts — Noninterest income
$301K+25.4%
First Citizens BancShares logo
FCNCADeposit fees and service charges — Noninterest income
$74M+25.4%
Univest Financial Corporation logo
UVSPOther service fee income — Noninterest income
$3.32M+5.5%
First Busey Corporation logo
BUSETreasury management services — Noninterest income
$4.79M+4.8%

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×

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
Provision for credit losses on unfunded commitments65270
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

Item 1. CONSOLIDATED FINANCIAL STATEMENTS

FAQ

What is Capital Bancorp's service charges on deposits — noninterest income?
Capital Bancorp (CBNK) reported service charges on deposits — noninterest income of $409K in Q2 2026.
How has Capital Bancorp's service charges on deposits — noninterest income changed year-over-year?
Capital Bancorp's service charges on deposits — noninterest income increased by 56.1% year-over-year, from $262K to $409K.
What is the long-term trend for Capital Bancorp's service charges on deposits — noninterest income?
Over 4 years (2021 to 2025), Capital Bancorp's service charges on deposits — noninterest income has grown at a 21.2% compound annual growth rate (CAGR), from $609K to $1.32M.
What does service charges on deposits — noninterest income mean?
This metric represents the noninterest income generated from fees charged to customers for maintaining deposit accounts, including maintenance fees, overdraft charges, and other account-related service costs. It serves as a key indicator of the bank's ability to monetize its core deposit base and generate recurring fee-based revenue independent of interest rate fluctuations. Monitoring this stream helps investors assess the bank's success in driving customer engagement and the profitability of its retail and commercial deposit product offerings.

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