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Capital Bancorp CBNK Loan-related expense

Loan-related expense at other companies

Customers Bancorp logo
Customers BancorpCUBI
$3.71M-8.5%
Origin Bancorp logo
Origin BancorpOBK
$1.05M+56.2%
First Internet Bancorp logo
First Internet BancorpINBK
$2.11M+38.8%

Segments

By segment

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Commercial Bank$927K+42.6%
OpenSky™$271K+1,029%
CBHL$268K+6.8%
Windsor Advantage™$9K-83.3%

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 / equity0×0.0×

Where this comes from

Reported directly by Capital Bancorp in its filing.

Tagged under the XBRL concept us-gaap:LoanProcessingFee.

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
Professional fees4,1252,4229,0904,534
Data processing7,5517,52015,31814,632
Advertising1,8161,3713,2823,150
Loan processing1,4759792,8581,722
Merger-related expenses—1,398—2,664
Operational and other card fraud related losses6909331,3801,836
Regulatory assessment expenses9258841,8661,773
Other operating2,5952,6105,1854,882

Item 1. CONSOLIDATED FINANCIAL STATEMENTS

FAQ

What is Capital Bancorp's loan-related expense?
Capital Bancorp (CBNK) reported loan-related expense of $1.48M in Q2 2026.
How has Capital Bancorp's loan-related expense changed year-over-year?
Capital Bancorp's loan-related expense increased by 50.7% year-over-year, from $979K to $1.48M.
What is the long-term trend for Capital Bancorp's loan-related expense?
Over 4 years (2021 to 2025), Capital Bancorp's loan-related expense has grown at a 3.1% compound annual growth rate (CAGR), from $3.53M to $3.99M.
What does loan-related expense mean?
This metric represents the direct costs associated with the origination, underwriting, and administrative processing of loan applications. It encompasses the operational expenses required to move a loan from application to funding, including third-party verification and documentation services. High levels of this expense relative to loan volume may indicate inefficiencies in the lending workflow.

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