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Income Statement
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Balance Sheet
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Income Overview
Net Income
$14,250K
EPS
$0.87
Unit: Thousand (K) dollars
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Page 1
Quarterly
123
Page 1
Income Statement
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Noninterest income-Bank Servicing
409
403
286*
425
Noninterest income-Credit Card
4,395
4,692
4,156*
4,509
Noninterest income-Mortgage Banking
1,960
1,556
1,951*
1,927
Noninterest income-Government Lending
1,207
923
465*
14
Noninterest income-Government Loan Servicing
5,303
4,345
2,718*
4,265
Loan servicing rights (government guaranteed)
292
497
878*
368
Non-recurring equity and debt investment write-down
-
-
0*
-
Other income
795
957
2,474*
-440
Total noninterest income
14,361
13,373
12,926*
11,068
Loans, including fees
65,362
64,186
62,802*
60,838
Investment securities available-for-sale
1,814
1,459
1,896*
1,805
Federal funds sold and other
2,783
2,325
1,960*
2,248
Total interest income
69,959
67,970
66,657*
64,891
Deposits
18,522
18,070
19,591*
12,732
Borrowed funds
508
502
573*
139
Total interest expense
19,030
18,572
20,163*
12,871
Net interest income
50,929
49,398
46,494*
52,020
Provision for credit losses
3,585
3,014
1,869*
4,650
Provision for credit gaines on unfunded commitments
65
205
-137*
217
Net interest income after provision for credit losses
47,279
46,179
44,763*
47,153
Salaries and employee benefits
20,067
20,317
17,735*
17,728
Occupancy and equipment
3,942
3,562
2,626*
2,849
Professional fees
4,125
4,965
4,130*
2,131
Data processing
7,551
7,767
7,027*
7,654
Advertising
1,816
1,466
1,635*
1,714
Loan processing
1,475
1,383
849*
1,114
Foreclosed real estate expenses, net
-
-
-
0
Merger-related expenses
0
0
219*
697
Operational losses
-
-
-
-923
Operational and other card fraud related losses
-690
-690
-877*
-
Regulatory assessment expenses
925
941
935*
740
Other operating
2,595
2,590
2,162*
2,804
Total noninterest expenses
43,186
43,681
38,193*
38,354
Net income (loss) before taxes
18,454
15,871
19,496*
19,867
Income tax expense
4,204
3,853
4,627*
4,802
Net income
14,250
12,018
14,869
15,065
Basic EPS
0.87
0.74
0.897
0.91
Diluted EPS
0.87
0.73
0.893
0.89
Basic Average Shares
16,287,884
16,345,156
16,575,341
16,585,538
Diluted Average Shares
16,372,900
16,440,911
16,656,758
16,844,035
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
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Income Statement
Loans, including fees
$65,362K
(7.49%↑ Y/Y)
Federal funds sold and
other
$2,783K
(26.85%↑ Y/Y)
Investment securities
available-for-sale
$1,814K
(14.66%↑ Y/Y)
Total interest income
$69,959K
(8.32%↑ Y/Y)
Net interest income
$50,929K
(6.89%↑ Y/Y)
Noninterest
income-Government Loan Servicing
$5,303K
(45.53%↑ Y/Y)
Noninterest income-Credit
Card
$4,395K
(2.26%↑ Y/Y)
Noninterest
income-Mortgage Banking
$1,960K
(11.74%↑ Y/Y)
Noninterest
income-Government Lending
$1,207K
(-61.21%↓ Y/Y)
Other income
$795K
(27.00%↑ Y/Y)
Noninterest income-Bank
Servicing
$409K
(56.11%↑ Y/Y)
Loan servicing
rights (government...
$292K
(149.49%↑ Y/Y)
Total interest
expense
$19,030K
(12.34%↑ Y/Y)
Net interest income
after provision for...
$47,279K
(8.53%↑ Y/Y)
Total noninterest
income
$14,361K
(9.58%↑ Y/Y)
Provision for credit
losses
$3,585K
(-12.15%↓ Y/Y)
Provision for credit
gaines on unfunded...
$65K
Deposits
$18,522K
(10.76%↑ Y/Y)
Borrowed funds
$508K
(133.03%↑ Y/Y)
Net income (loss)
before taxes
$18,454K
(7.92%↑ Y/Y)
Total noninterest
expenses
$43,186K
(9.13%↑ Y/Y)
Net income
$14,250K
(8.48%↑ Y/Y)
Income tax expense
$4,204K
(6.08%↑ Y/Y)
Salaries and employee
benefits
$20,067K
(8.71%↑ Y/Y)
Data processing
$7,551K
(0.41%↑ Y/Y)
Professional fees
$4,125K
(70.31%↑ Y/Y)
Occupancy and equipment
$3,942K
(31.62%↑ Y/Y)
Other operating
$2,595K
(-0.57%↓ Y/Y)
Advertising
$1,816K
(32.46%↑ Y/Y)
Loan processing
$1,475K
(50.66%↑ Y/Y)
Regulatory assessment
expenses
$925K
(4.64%↑ Y/Y)
Operational and other card
fraud related losses
-$690K
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Capital Bancorp Inc (CBNK)
Capital Bancorp Inc (CBNK)