Capital Bancorp Inc (CBNK)
2025-06-30 | 2024-09-30 | 2024-06-30 | ||
|---|---|---|---|---|
| Noninterest income-Government Lending | 3,112 | - | - | |
| Noninterest income-Mortgage Banking | 1,754 | - | - | |
| Noninterest income-Credit Card | 4,298 | - | - | |
| Noninterest income-Bank Servicing | 262 | - | - | |
| Noninterest income-Government Loan Servicing | 3,644 | - | - | |
| Other income | 626 | 463 | 370 | |
| Loan servicing rights (government guaranteed) | -590 | - | - | |
| Noninterest income | - | 6,172 | 6,520 | |
| Total noninterest income | 13,106 | 6,635 | 6,890 | |
| Professional fees | 2,422 | 1,980 | 1,769 | |
| Other operating | 2,610 | 2,312 | 2,387 | |
| Operational losses | -933 | -1,008 | -782 | |
| Loan processing | 979 | 615 | 476 | |
| Salaries and employee benefits | 18,460 | 13,345 | 13,272 | |
| Data processing | 7,520 | 6,930 | 6,788 | |
| Merger-related expenses | 1,398 | 520 | 83 | |
| Advertising | 1,371 | 1,223 | 2,072 | |
| Regulatory assessment expenses | 884 | - | - | |
| Foreclosed real estate expenses, net | - | 1 | - | |
| Occupancy and equipment | 2,995 | 1,791 | 1,864 | |
| Total noninterest expenses | 39,572 | 29,725 | 29,493 | |
| Provision for credit losses | - | - | 3,417 | |
| Deposits | 16,722 | 13,902 | 13,050 | |
| Borrowed funds | 218 | 354 | 508 | |
| Total interest expense | 16,940 | 14,256 | 13,558 | |
| Federal funds sold and other | 2,194 | 1,220 | 1,032 | |
| Investment securities available-for-sale | 1,582 | 1,343 | 1,308 | |
| Loans, including fees | 60,810 | 50,047 | 48,275 | |
| Total interest income | 64,586 | 52,610 | 50,615 | |
| Net interest income | 47,646 | 38,354 | 37,057 | |
| Provision for credit losses | 4,081 | 3,748 | - | |
| Provision for credit losses on unfunded commitments | - | 17 | 104 | |
| Net interest income after provision for credit losses | 43,565 | 34,589 | 33,536 | |
| Net income (loss) before taxes | 17,099 | 11,499 | 10,933 | |
| Income tax expense | 3,963 | 2,827 | 2,728 | |
| Net income | 13,136 | 8,672 | 8,205 | |
| Basic (in shares) | 16,583,894 | 13,913,639 | 13,894,858 | |
| Basic earnings per share (in dollars per share) | 0.79 | 0.62 | 0.59 | |
| Diluted (in shares) | 16,801,902 | 13,950,900 | 13,894,858 | |
| Diluted earnings per share (in dollars per share) | 0.78 | 0.62 | 0.59 | |