Capital Bancorp ( (CBNK) ) has released its Q2 earnings. Here is a breakdown of the information Capital Bancorp presented to its investors.
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Capital Bancorp, Inc., a financial holding company for Capital Bank, N.A., operates in the banking sector, focusing on commercial banking, credit cards, and mortgage loans. The company recently released its second-quarter 2025 earnings report, highlighting a net income of $13.1 million and an EPS of $0.78, with a return on average assets of 1.60%. Key financial metrics showed growth in loans and deposits, with gross loans increasing by $61.4 million and total deposits rising by $49.4 million compared to the previous quarter. The acquisition of IFH contributed significantly to the company’s growth, enhancing both loan and deposit volumes. The company’s net interest income increased by 3.5% from the first quarter of 2025, driven by strong balance sheet growth and the IFH acquisition. Despite a slight decrease in net interest margin, the company maintained a robust fee revenue stream, accounting for 21.6% of total revenue. Looking ahead, Capital Bancorp remains optimistic about its strategic growth initiatives and the integration of IFH, aiming for continued profitability and shareholder value enhancement.