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Capital Bancorp CBNK Net Interest Income

Net Interest Income at other companies

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$4.11B+15.5%
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NB Bancorp, Inc.NBBK
$69.15M+47.1%
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$41.8M+12.4%
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$23.35M+1.1%
Customers Bancorp logo
Customers BancorpCUBI
$193.37M+9.4%

Segments

By segment

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Commercial Bank$34.82M+5.3%
OpenSky™$16M+10.4%
CBHL$116K+46.8%
Windsor Advantage™$0—

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:InterestIncomeExpenseNet.

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
Deposits18,52216,72236,59233,234
Borrowed funds5082181,010419
Total interest expense19,03016,94037,60233,653
Net interest income50,92947,646100,32793,693
Provision for credit losses3,5854,0816,5996,327
Provision for credit losses on unfunded commitments65—270—
Net interest income after provision for credit losses47,27943,56593,45887,366
Noninterest income

Item 1. CONSOLIDATED FINANCIAL STATEMENTS

FAQ

What is Capital Bancorp's net interest income?
Capital Bancorp (CBNK) reported net interest income of $50.93M in Q2 2026.
How has Capital Bancorp's net interest income changed year-over-year?
Capital Bancorp's net interest income increased by 6.9% year-over-year, from $47.65M to $50.93M.
What is the long-term trend for Capital Bancorp's net interest income?
Over 4 years (2021 to 2025), Capital Bancorp's net interest income has grown at a 13.8% compound annual growth rate (CAGR), from $116.69M to $195.99M.
What does net interest income mean?
This is the difference between the interest earned on assets, such as loans and securities, and the interest paid on liabilities, such as deposits and borrowings. It serves as the primary driver of a bank's core profitability and reflects the effectiveness of its asset-liability management. This metric is fundamental to evaluating the bank's interest rate spread and margin performance.

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