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Capital Bancorp CBNK Regulatory assessment expenses

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Segments

By segment

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Commercial Bank$583K-32.2%
OpenSky™$214K+1,327%
CBHL$64K+2,033%
Windsor Advantage™$64K+967%

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:RegulatoryAssessmentsExpense.

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
Loan processing1,4759792,8581,722
Merger-related expenses1,3982,664
Operational and other card fraud related losses6909331,3801,836
Regulatory assessment expenses9258841,8661,773
Other operating2,5952,6105,1854,882
Total noninterest expenses43,18639,57286,86777,625
Income before income taxes18,45417,09934,32535,396
Income tax expense4,2043,9638,0578,328

Item 1. CONSOLIDATED FINANCIAL STATEMENTS

FAQ

What is Capital Bancorp's regulatory assessment expenses?
Capital Bancorp (CBNK) reported regulatory assessment expenses of $925K in Q2 2026.
How has Capital Bancorp's regulatory assessment expenses changed year-over-year?
Capital Bancorp's regulatory assessment expenses increased by 4.6% year-over-year, from $884K to $925K.
What is the long-term trend for Capital Bancorp's regulatory assessment expenses?
Over 2 years (2023 to 2025), Capital Bancorp's regulatory assessment expenses has grown at a 43.0% compound annual growth rate (CAGR), from $1.65M to $3.37M.
What does regulatory assessment expenses mean?
This metric represents the mandatory fees and assessments paid to government agencies and regulatory bodies for bank oversight and deposit insurance coverage. These costs are largely determined by the bank's asset size, risk profile, and the regulatory environment. It is a necessary cost of doing business that reflects the bank's compliance obligations.

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