Capital Bancorp Reports Strong Q1 2025 Earnings

Capital Bancorp ( (CBNK) ) has released its Q1 earnings. Here is a breakdown of the information Capital Bancorp presented to its investors.

Capital Bancorp, Inc., a financial holding company based in Rockville, Maryland, operates in the banking sector, primarily through its subsidiary, Capital Bank, N.A., offering a range of financial services including commercial banking, mortgage lending, and credit card services. In the first quarter of 2025, Capital Bancorp reported a significant increase in net income to $13.9 million, or $0.82 per share, compared to the previous quarter and the same period last year. The company’s performance was bolstered by strong organic loan and deposit growth, as well as the successful integration of IFH, which contributed to a robust net interest margin and fee income. Key financial metrics showed a return on average assets of 1.75% and a return on average equity of 15.56%, with core net income reaching $14.9 million. The company also declared a cash dividend of $0.10 per share. Looking ahead, Capital Bancorp’s management remains optimistic about continued growth, emphasizing the benefits of their diversified earnings platform and the strategic acquisition of IFH, while remaining vigilant about potential impacts from governmental policies and economic uncertainties.