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Capital Bancorp CBNK With an allowance

With an allowance at other companies

Customers Bancorp logo
Customers BancorpCUBI
$200K-95.7%

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$607.8M+16.3%
Enterprise value$197.37M-22.1%
P/E10.8×-1.3×
P/S2.4×0.0×

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:FinancingReceivableExcludingAccruedInterest90DaysOrMorePastDueStillAccruing.

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
Portfolio Loans Past Due / (in thousands) / June 30, 2026Portfolio Loans Past Due / Loans30-59 Days Past DuePortfolio Loans Past Due / Loans60-89 Days Past DuePortfolio Loans Past Due / Loans90 or More Days Past DueTotal Past Due LoansCurrent LoansTotal Portfolio LoansAccruing Loans 90 or More Days Past DueNonaccrual Loans
Commercial and Industrial23,9573,06020,82347,840683,735731,5751,08324,870
Credit card8,2656,3532,43717,055128,211145,2662,437
Other consumer3,7723,772
Total$45,341$16,241$58,772$120,354$2,969,578$3,089,932$7,092$56,987
Loans30-59 DaysPast DueLoans60-89 DaysPast DueLoans90 or MoreDaysPast DueTotal PastDue LoansCurrentLoansTotalPortfolioLoansAccruingLoans 90 orMore DaysPast DueNonaccrualLoans
December 31, 2025
Real estate:
Residential$3,886$573$8,480$12,939$752,869$765,808$740$7,741

Item 1. CONSOLIDATED FINANCIAL STATEMENTS

FAQ

What is Capital Bancorp's with an allowance?
Capital Bancorp (CBNK) reported with an allowance of $7.09M in Q2 2026.
How has Capital Bancorp's with an allowance changed year-over-year?
Capital Bancorp's with an allowance increased by 341.6% year-over-year, from $1.61M to $7.09M.
What is the long-term trend for Capital Bancorp's with an allowance?
Over 2 years (2023 to 2025), Capital Bancorp's with an allowance has grown at a 192.1% compound annual growth rate (CAGR), from $536K to $4.57M.
What does with an allowance mean?
With an allowance

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