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Capital Bancorp CBNK Net Interest Income (After Provisions)

Net Interest Income (After Provisions) at other companies

JPMorgan Chase logo
JPMorgan ChaseJPM
$23B+12.9%
NB Bancorp, Inc. logo
NB Bancorp, Inc.NBBK
$65.95M+50.4%
Washington Trust Bancorp logo
Washington Trust BancorpWASH
$40.2M+9.9%
BCB Bancorp logo
BCB BancorpBCBP
$4.36M-76.1%
QCR Holdings logo
QCR HoldingsQCRH
$63.21M+8.9%
Customers Bancorp logo
Customers BancorpCUBI
$170.3M+9.2%

Segments

By segment

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Commercial Bank$35.19M+10.2%
OpenSky™$11.98M+3.5%
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×

Where this comes from

Reported directly by Capital Bancorp in its filing.

Tagged under the XBRL concept us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss.

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
Net interest income50,92947,646100,32793,693
Provision for credit losses3,5854,0816,5996,327
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

Item 1. CONSOLIDATED FINANCIAL STATEMENTS

FAQ

What is Capital Bancorp's net interest income (after provisions)?
Capital Bancorp (CBNK) reported net interest income (after provisions) of $47.28M in Q2 2026.
How has Capital Bancorp's net interest income (after provisions) changed year-over-year?
Capital Bancorp's net interest income (after provisions) increased by 8.5% year-over-year, from $43.57M to $47.28M.
What is the long-term trend for Capital Bancorp's net interest income (after provisions)?
Over 4 years (2021 to 2025), Capital Bancorp's net interest income (after provisions) has grown at a 12.4% compound annual growth rate (CAGR), from $113.34M to $180.84M.
What does net interest income (after provisions) mean?
This metric adjusts net interest income by subtracting the provision for credit losses, providing a clearer picture of the income generated after accounting for expected loan defaults. It represents the core earnings power of the bank's lending activities after risk-adjusting for potential asset quality deterioration. It is a key indicator of sustainable profitability in the lending business.

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