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Capital Bancorp CBNK Provision for credit losses on unfunded commitments

Provision for credit losses on unfunded commitments at other companies

ChoiceOne Financial logo
ChoiceOne FinancialCOFS
$0
Bar Harbor Bankshares logo
Bar Harbor BanksharesBHB
-$226K-205%
Renasant logo
RenasantRNST
$3.72M+854%
MetroCity Bankshares logo
MetroCity BanksharesMCBS
$56K-52.5%
Great Southern Bancorp logo
Great Southern BancorpGSBC
-$931K-168%
BSR
Sierra BancorpBSRR
-$50K-145%

Segments

By segment

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Commercial Bank$205K
CBHL$0
OpenSky™$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 cbnk:UnfundedCommitmentsCreditLossExpenseReversal.

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 on unfunded commitments?
Capital Bancorp (CBNK) reported provision for credit losses on unfunded commitments of $205K in Q1 2026.
What does provision for credit losses on unfunded commitments mean?
This represents the provision expense or reversal related to potential credit losses on off-balance sheet items, such as unused lines of credit or letters of credit. It reflects management's assessment of the credit risk inherent in commitments that have not yet been funded. Changes in this metric indicate shifts in the perceived risk profile of the bank's commercial client base.