For the year ending 2025-12-31, CBNK had $50,233K increase in cash & cash equivalents over the period.
| Cash Flow | 2025-12-31 |
|---|---|
| Net income | 57,170 |
| Provision for credit losses | 14,965 |
| Provision for credit losses on unfunded commitments | 188 |
| Provision for (release of) mortgage put-back reserve, net | 79 |
| Net (accretion) amortization on investment securities available-for-sale | 150 |
| Premises and equipment depreciation | 1,424 |
| Lease asset amortization | 1,402 |
| Amortization of intangible assets | 1,046 |
| Extinguishment of leases | 0 |
| Increase in cash surrender value of boli | 1,532 |
| Net decrease (increase) in loan servicing assets | -1,588 |
| Executive long-term incentive plan expense | 889 |
| Stock-based compensation expense | 1,608 |
| Director and employee compensation paid in company stock | 1,225 |
| Deferred income tax expense (benefit) | 1,097 |
| (increase) decrease in valuation of loans held for sale carried at fair value | 62 |
| Proceeds from sales of loans held for sale | 352,846 |
| Originations of loans held for sale | 357,327 |
| Government lending revenue | 4,222 |
| Accrued interest receivable | 31 |
| Taxes payable | -3,024 |
| Other assets | 3,437 |
| Accrued interest payable | -648 |
| Other liabilities | 4,627 |
| Net cash provided by operating activities | 69,721 |
| Purchases of securities available-for-sale | 54,876 |
| Proceeds from calls and maturities of securities available-for-sale | 56,107 |
| Net purchases of restricted investments | 3,918 |
| Net increase in portfolio loans receivable | 345,819 |
| Net purchases of premises and equipment | 2,374 |
| Cash received from acquisitions, net | 0 |
| Net cash used in investing activities | -350,880 |
| Noninterest-bearing deposits | 41,813 |
| Interest-bearing deposits | 289,448 |
| Federal home loan bank advances | 28,000 |
| Other borrowed funds | -10,000 |
| Dividends paid | 7,296 |
| Repurchase of common stock | 11,731 |
| Net proceeds from exercise of stock | 1,158 |
| Net cash provided by financing activities | 331,392 |
| Net increase in cash and cash equivalents | 50,233 |
| Cash and cash equivalents, beginning of year | 205,332 |
| Cash and cash equivalents, end of year | 255,565 |
Capital Bancorp Inc (CBNK)
Capital Bancorp Inc (CBNK)