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Capital Bancorp CBNK Provision for Credit Losses

Provision for Credit Losses at other companies

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$199K+118%
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$1.6M+167%
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-$124K-675%
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QCR HoldingsQCRH
$4.71M+16.4%
Customers Bancorp logo
Customers BancorpCUBI
$600K-62.5%

Segments

By segment

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OpenSky™$4.02M+37.5%
Commercial Bank-$432K-137%
CBHL$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$615.41M+16.3%
Enterprise value$204.98M-22.1%
P/E10.9×-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 us-gaap:FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal.

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
Borrowed funds5082181,010419
Total interest expense19,03016,94037,60233,653
Net interest income50,92947,646100,32793,693
Provision for credit losses3,5854,0816,5996,327
Provision for credit losses on unfunded commitments65270
Net interest income after provision for credit losses47,27943,56593,45887,366
Noninterest income
Service charges on deposits409262812520

Item 1. CONSOLIDATED FINANCIAL STATEMENTS

FAQ

What is Capital Bancorp's provision for credit losses?
Capital Bancorp (CBNK) reported provision for credit losses of $3.59M in Q2 2026.
How has Capital Bancorp's provision for credit losses changed year-over-year?
Capital Bancorp's provision for credit losses decreased by 12.2% year-over-year, from $4.08M to $3.59M.
What is the long-term trend for Capital Bancorp's provision for credit losses?
Over 4 years (2021 to 2025), Capital Bancorp's provision for credit losses has grown at a 45.3% compound annual growth rate (CAGR), from $3.36M to $14.97M.
What does provision for credit losses mean?
Expense recognized to build or adjust allowances for expected credit losses on loans, receivables, and other financial assets, based on forward-looking CECL methodology.

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