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Capital Bancorp CBNK Loan servicing rights (government guaranteed)

Loan servicing rights (government guaranteed) at other companies

Nelnet logo
NelnetNNI
$76.1M-12.9%
Finance of America Companies logo
Finance of America CompaniesFOA
$40.89M-9.3%
Finance of America Companies logo
Finance of America CompaniesFOA
$40.89M-9.3%
Equity Bancshares logo
Equity BancsharesEQBK
$33.6M
Equity Bancshares logo
Equity BancsharesEQBK
$33.6M
First Community Corporation logo
First Community CorporationFCCO
$5.8B

Segments

By segment

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Commercial Bank$292K+149%
CBHL$0
OpenSky™$0
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$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 cbnk:NoninterestIncomeServicingAsset.

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
Mortgage banking revenue1,9601,7543,5163,585
Government lending revenue1,2073,1122,1304,208
Government loan servicing revenue5,3033,6449,6487,212
Loan servicing rights (government guaranteed)292(590)789(118)
Other income7956261,7522,228
Total noninterest income14,36113,10627,73425,655
Noninterest expenses
Salaries and employee benefits20,06718,46040,38436,527

Item 1. CONSOLIDATED FINANCIAL STATEMENTS

FAQ

What is Capital Bancorp's loan servicing rights (government guaranteed)?
Capital Bancorp (CBNK) reported loan servicing rights (government guaranteed) of $292K in Q2 2026.
How has Capital Bancorp's loan servicing rights (government guaranteed) changed year-over-year?
Capital Bancorp's loan servicing rights (government guaranteed) increased by 149.5% year-over-year, from -$590K to $292K.
What does loan servicing rights (government guaranteed) mean?
This represents income derived from the rights to service loans, typically including government-guaranteed mortgage loans, for third-party investors. It reflects the bank's ability to generate fee-based revenue without holding the underlying credit risk on its balance sheet. This is a key component of noninterest income diversification.

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