For the quarter ending 2026-03-31, CBNK had $143,746K increase in cash & cash equivalents over the period.
| Cash Flow | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|---|
| Net income | 12,018 | 15,037 | 15,065 | 27,068 |
| Provision for credit losses | 3,014 | 3,988 | 4,650 | 6,327 |
| Provision for credit losses on unfunded commitments | 205 | -29 | 217 | 0 |
| Provision for mortgage put-back reserve, net | 16 | 26 | 19 | 34 |
| Net amortization (accretion) on investment securities available-for-sale | 92 | 111 | 91 | -52 |
| Premises and equipment depreciation | 724 | 524 | 376 | 524 |
| Lease asset amortization | 433 | 128 | 431 | 843 |
| Amortization of intangible assets | 260 | 262 | 262 | 522 |
| Extinguishment of leases | - | 0 | - | - |
| Increase in cash surrender value of boli | 383 | 383 | 384 | 765 |
| Net decrease (increase) in loan servicing assets | 141 | -254 | 1,956 | -3,290 |
| Executive long-term incentive plan expense | 207 | 207 | 206 | 476 |
| Stock-based compensation expense | 512 | 378 | 823 | 407 |
| Director and employee compensation paid in company stock | 255 | 196 | 433 | 596 |
| Government lending revenue | - | - | 14 | 4,208 |
| Deferred income tax expense (benefit) | -436 | -450 | 1,655 | -108 |
| Valuation allowance on derivatives | - | - | 35 | -730 |
| Decrease (increase) in valuation of loans held for sale carried at fair value | -30 | 17 | -30 | 75 |
| Proceeds from sales of loans held for sale | 88,430 | 85,271 | 68,462 | 199,113 |
| Originations of loans held for sale | 75,448 | 95,610 | 67,232 | 194,485 |
| Government lending revenue | 923 | 4,222 | - | - |
| Accrued interest receivable | 100 | -2,316 | 3,862 | -1,515 |
| Taxes payable | 3,461 | 1,961 | 8,565 | -13,550 |
| Other assets | -306 | 3,058 | -627 | 1,006 |
| Accrued interest payable | 199 | 700 | -113 | -1,235 |
| Other liabilities | -10,771 | 7,558 | 4,766 | -7,697 |
| Net purchases of restricted investments | - | - | 14 | 2,564 |
| Net cash provided by operating activities | 21,776 | 18,453 | 32,900 | 18,368 |
| Purchases of securities available-for-sale | 9,490 | 19,716 | 3,320 | 31,840 |
| Proceeds from calls and maturities of securities available-for-sale | 8,326 | 23,748 | 1,434 | 30,925 |
| Net purchases of restricted investments | 294 | 3,918 | - | - |
| Net increase in portfolio loans receivable | 69,968 | 143,703 | 84,939 | 117,177 |
| Net purchases of premises and equipment | 643 | 421 | 1,248 | 705 |
| Cash received from acquisitions, net | - | 0 | - | - |
| Net cash used in investing activities | -72,069 | -141,432 | -88,087 | -121,361 |
| Noninterest-bearing deposits | 18,936 | -4,802 | 20,564 | 26,051 |
| Interest-bearing deposits | 179,911 | 185,949 | -49,249 | 152,748 |
| Federal home loan bank advances | - | 28,000 | 0 | 0 |
| Other borrowed funds | - | -10,000 | 0 | 0 |
| Dividends paid | 1,959 | 1,981 | 1,991 | 3,324 |
| Repurchase of common stock | 3,557 | 8,556 | -312 | 3,487 |
| Net proceeds from exercise of stock | 708 | 1,073 | -194 | 279 |
| Net cash provided by financing activities | 194,039 | 189,683 | -30,558 | 172,267 |
| Net increase in cash and cash equivalents | 143,746 | 66,704 | -85,745 | 69,274 |
| Cash and cash equivalents, beginning of year | 255,565 | 188,861 | 205,332 | - |
| Cash and cash equivalents, end of period | 399,311 | 255,565 | 188,861 | - |
Capital Bancorp Inc (CBNK)
Capital Bancorp Inc (CBNK)