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Capital Bancorp CBNK Provision for Credit Losses

Provision for Credit Losses at other companies

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Segments

By segment

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OpenSky™$2.67M+48.3%
Commercial Bank$344K-22.9%
CBHL$0
Windsor Advantage™$0

Other financials

Income statement

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Revenue$62.8M+7.1%
Operating income-$923.0K+8.4%
Net income$12.0M-13.7%
EPS (diluted)$0.73-11.0%

Balance sheet

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Cash & equivalents$399.3M+35.8%
Total debt$7.6M+38.0%
Total equity$408.9M+10.6%
Total assets$3.8B+13.7%

Cash flow

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Operating cash flow$21.8M-3.6%
CapEx$643.0K+231%
Free cash flow$21.1M-5.6%

Valuation

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Market cap$563.89M+8.2%
Enterprise value$172.15M-26.0%
P/E10.2×-3.4×
P/S2.3×-0.3×

Profitability

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Operating margin-1.6%-0.4pp
Net margin22.2%+3.3pp
FCF margin28.4%-0.5pp

Returns & leverage

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Return on equity14.2%+2.0pp
Debt / equity0.0×

Where this comes from

Reported directly by Capital Bancorp in its filing.

Tagged under the XBRL concept us-gaap:FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal.

The official record: Capital Bancorp’s 10-Q, filed May 8, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Capital Bancorp's provision for credit losses?
Capital Bancorp (CBNK) reported provision for credit losses of $3.01M in Q1 2026.
How has Capital Bancorp's provision for credit losses changed year-over-year?
Capital Bancorp's provision for credit losses increased by 34.2% year-over-year, from $2.25M to $3.01M.
What is the long-term trend for Capital Bancorp's provision for credit losses?
Over 2 years (2023 to 2025), Capital Bancorp's provision for credit losses has grown at a 24.8% compound annual growth rate (CAGR), from $9.61M to $14.97M.
What does provision for credit losses mean?
This represents the periodic charge or credit to the income statement to adjust the allowance for credit losses on financing receivables. It reflects management's assessment of the risk inherent in the loan portfolio and the expected future credit losses. Changes in this balance indicate shifts in credit quality and the bank's risk appetite.