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Capital Bancorp CBNK Gross charge-offs

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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+16.3%
Enterprise value$204.98M-22.1%
P/E10.9×-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:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff.

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
(in thousands) / Three Months Ended June 30, 2026Beginning BalanceProvision (Release of Provision) for Credit LossesCharge-OffsRecoveriesEnding Balance
Commercial and Industrial20,635(1,605)(606)5018,474
Credit card7,7974,023(2,919)38,904
Other consumer729
Total$54,680$3,585$(3,887)$53$54,431
Six Months Ended June 30, 2026
Real estate:
Residential$7,444$289$(6)$7,727
Commercial14,917(530)14,387

Item 1. CONSOLIDATED FINANCIAL STATEMENTS

FAQ

What is Capital Bancorp's gross charge-offs?
Capital Bancorp (CBNK) reported gross charge-offs of $3.89M in Q2 2026.
How has Capital Bancorp's gross charge-offs changed year-over-year?
Capital Bancorp's gross charge-offs decreased by 24.4% year-over-year, from $5.14M to $3.89M.
What is the long-term trend for Capital Bancorp's gross charge-offs?
Over 2 years (2023 to 2025), Capital Bancorp's gross charge-offs has grown at a 28.9% compound annual growth rate (CAGR), from $8.8M to $14.61M.
What does gross charge-offs mean?
Gross charge-offs

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