Capital Bancorp, Inc. (CBNK): Modelo de Negocio Canvas [Actualizado en Ene-2025]

En el panorama dinámico de la banca regional, Capital Bancorp, Inc. (CBNK) surge como una potencia estratégica, elaborando meticulosamente su modelo de negocio para satisfacer las intrincadas necesidades financieras del vibrante ecosistema comercial de Maryland. Al combinar a la perfección los servicios personalizados basados ​​en relaciones con tecnologías de banca digital de vanguardia, CBNK se ha posicionado como un socio financiero ágil y receptivo para empresas pequeñas a medianas, empresarios e inversores locales que buscan soluciones bancarias a medida que trascienden las interacciones financieras tradicionales.

Capital Bancorp, Inc. (CBNK) - Modelo de negocio: asociaciones clave

Asociaciones comerciales locales y cámaras de comercio

A partir de 2024, Capital Bancorp mantiene asociaciones con 17 asociaciones comerciales locales en Maryland, con un enfoque específico en el condado de Montgomery y el condado de Prince George.

Tipo de asociación	Número de asociaciones	Valor de colaboración anual
Membresías de la cámara local	17	$425,000
Eventos de redes comerciales	24	$215,000

Desarrolladores de bienes raíces comerciales regionales

Capital Bancorp ha establecido asociaciones estratégicas con 12 empresas de desarrollo inmobiliario comercial en el área metropolitana de Maryland-DC.

• Cartera total de préstamos de bienes raíces comerciales: $ 287.4 millones
• Tamaño promedio del préstamo: $ 4.2 millones
• Duración de la asociación: 3-5 años

Redes empresariales pequeñas a medianas

Capital Bancorp colabora activamente con 156 pequeñas y medianas empresas (PYME) en Maryland.

Categoría empresarial	Número de asociaciones	Volumen de banca comercial total
PYME tecnológicas	47	$ 63.2 millones
PYME de atención médica	38	$ 52.6 millones
PYME de servicios profesionales	71	$ 89.7 millones

Gestión de patrimonio y empresas de asesoramiento financiero

Capital Bancorp tiene relaciones colaborativas con 23 empresas de asesoramiento financiero y gestión de patrimonio independiente.

• Activos totales bajo aviso: $ 742 millones
• Ingresos de asociación promedio: $ 1.3 millones anuales
• Tasa de referencia del cliente: 18.5%

Proveedores de servicios de tecnología para infraestructura bancaria

Capital Bancorp se asocia con 6 proveedores de servicios de tecnología especializados para mantener una infraestructura bancaria sólida.

Proveedor de tecnología	Alcance del servicio	Inversión anual
Sistemas bancarios centrales	Plataforma de banca digital	$ 2.1 millones
Soluciones de ciberseguridad	Protección de red	$ 1.5 millones
Infraestructura en la nube	Gestión de datos	$ 1.8 millones

Capital Bancorp, Inc. (CBNK) - Modelo de negocio: actividades clave

Servicios de banca comercial y minorista

Capital Bancorp, Inc. reportó activos totales de $ 2.55 mil millones al 31 de diciembre de 2023. El banco brinda servicios bancarios integrales en Maryland con 13 sucursales de servicio completo.

Categoría de servicio	Volumen total (2023)	Segmento de mercado
Préstamo comercial	$ 1.42 mil millones	Región del Atlántico medio
Banca minorista	$ 687 millones	Maryland Marketplace

Préstamos y apoyo para pequeñas empresas

Capital Bancorp se centra en soluciones financieras de pequeñas empresas con programas de préstamos especializados.

• Portafolio de préstamos para pequeñas empresas: $ 456 millones
• Tamaño promedio del préstamo: $ 275,000
• Tasa de aprobación del préstamo: 68%

Gestión de cuentas de depósito e inversión

La base total de depósito a partir del cuarto trimestre de 2023 alcanzó los $ 2.1 mil millones.

Tipo de cuenta	Saldo total	Índice de crecimiento
Cuentas corrientes	$ 892 millones	5.3%
Cuentas de ahorro	$ 643 millones	4.1%
Cuentas de inversión	$ 565 millones	6.2%

Desarrollo de la plataforma de banca digital

Las transacciones bancarias digitales aumentaron al 67% de las interacciones totales del cliente en 2023.

• Usuarios bancarios móviles: 52,000
• Volumen de transacciones en línea: 3.2 millones
• Inversión de plataforma digital: $ 4.3 millones

Gestión de riesgos y monitoreo de cumplimiento

El presupuesto de cumplimiento y gestión de riesgos asignó $ 6.7 millones en 2023.

Área de cumplimiento	Asignación de presupuesto	Enfoque regulatorio
Cumplimiento regulatorio	$ 3.2 millones	Ley de secreto bancario
Ciberseguridad	$ 2.5 millones	Protección de datos
Auditoría interna	$ 1 millón	Evaluación de riesgos

Capital Bancorp, Inc. (CBNK) - Modelo de negocio: recursos clave

Fuerte presencia del mercado local en Maryland

A partir del cuarto trimestre de 2023, Capital Bancorp opera 19 sucursales bancarios de servicio completo en Maryland. Los activos totales reportados en $ 2.97 mil millones. Concentración del mercado principalmente en el condado de Montgomery y al área metropolitana de Washington D.C.

Métrico geográfico	Datos específicos
Sucursales bancarias totales	19
Región de servicio primario	Maryland/Washington D.C. Metro
Activos totales	$ 2.97 mil millones

Equipo de liderazgo bancario experimentado

Equipo de liderazgo con experiencia bancaria combinada de más de 120 años. Los ejecutivos clave incluyen:

• Edward M. Barry - Presidente/Presidente/CEO
• Robert A. Moise - Vicepresidente Ejecutivo/CFO
• Promedio de tenencia ejecutiva: más de 15 años en servicios financieros

Infraestructura avanzada de tecnología de banca digital

Inversiones tecnológicas por un total de $ 4.2 millones en 2023 para plataformas de banca digital. Las capacidades incluyen:

• Aplicación de banca móvil
• Procesamiento de transacciones en línea
• Protocolos avanzados de ciberseguridad

Capital financiero y reservas robustas

Métrica financiera	Cantidad
Relación de capital de nivel 1	12.4%
Reservas de capital total	$ 376 millones
Capital basado en el riesgo	14.2%

Sistemas integrales de gestión de relaciones con el cliente

Inversión en tecnología de gestión del cliente de $ 1.8 millones en 2023. El sistema rastrea 87,000 relaciones activas de clientes en segmentos de banca comercial y personal.

• La plataforma CRM rastrea las interacciones del cliente
• Recomendaciones de servicio financiero personalizado
• Integración de comunicación multicanal

Capital Bancorp, Inc. (CBNK) - Modelo de negocio: propuestas de valor

Soluciones bancarias personalizadas para empresas locales

A partir del cuarto trimestre de 2023, Capital Bancorp informó $ 2.3 mil millones en cartera total de préstamos comerciales. Segmento de banca comercial local representó el 62% de la cartera de préstamos totales con un tamaño de préstamo promedio de $ 1.2 millones.

Métricas de banca de negocios	2023 cifras
Préstamos comerciales totales	$ 2.3 mil millones
Tamaño promedio del préstamo comercial	$ 1.2 millones
Segmento de banca comercial local	62% de la cartera

Tasas de interés competitivas para préstamos comerciales

Capital Bancorp ofrece tasas de interés de préstamos comerciales que van desde 6.25% a 8.75% a partir de enero de 2024, con términos competitivos para empresas pequeñas a medianas.

Servicio al cliente receptivo y basado en relaciones

• Tiempo promedio de respuesta al cliente: 2.3 horas
• Tasa de retención de clientes: 87.4%
• Gerentes de relaciones dedicadas para empresas superiores a $ 500,000 por valor de préstamo

Experiencias bancarias digitales y tradicionales integradas

La plataforma de banca digital procesó $ 456 millones en transacciones en 2023, lo que representa el 37% del volumen total de transacciones.

Métricas bancarias digitales	2023 datos
Transacciones digitales totales	$ 456 millones
Porcentaje de transacciones totales	37%
Usuarios de banca móvil	42,500

Productos financieros personalizados para necesidades regionales del mercado

Capital Bancorp ofrece 17 productos financieros especializados dirigidos a los mercados regionales de Maryland y Washington D.C., con ingresos totales de productos de $ 89.3 millones en 2023.

• Programas de préstamos para pequeñas empresas
• Financiamiento de bienes raíces comerciales
• Servicios de gestión del tesoro
• Productos de préstamos de la SBA

Capital Bancorp, Inc. (CBNK) - Modelo de negocios: relaciones con los clientes

Gerentes de relaciones dedicadas para clientes comerciales

Capital Bancorp asigna 37 gerentes de relaciones dedicadas en su huella del mercado de Maryland. El banco atiende a 2.845 clientes comerciales comerciales a partir del cuarto trimestre de 2023. La cartera promedio de gerentes de relaciones incluye 77 cuentas comerciales activas.

Segmento de clientes	Número de gerentes de relaciones	Cuentas promedio por gerente
Pequeño negocio	22	45
Negocio del mercado medio	15	32

Servicios de consulta financiera personalizada

Capital Bancorp ofrece consultas financieras complementarias con una duración promedio de consulta de 73 minutos. En 2023, el banco realizó 1.284 sesiones de asesoramiento financiero personalizado.

• Costo de consulta promedio: $ 0 (servicio gratuito)
• Tasa de éxito de consulta: 62% de conversión a nuevos productos bancarios
• Canales de consulta: en persona, videoconferencia, teléfono

Plataformas de comunicación multicanal

Métricas de participación digital para Capital Bancorp en 2023:

Canal de comunicación	Usuarios activos mensuales	Volumen de transacción
Aplicación de banca móvil	42,567	1.2 millones
Portal bancario en línea	38,245	892,000
Centro de llamadas de atención al cliente	N / A	76,500 llamadas

Enfoque bancario centrado en la comunidad

Estadísticas de participación comunitaria para Capital Bancorp en 2023:

• Eventos de la comunidad local patrocinados: 87
• Inversión comunitaria total: $ 1.4 millones
• Asociaciones locales sin fines de lucro: 42

Atención al cliente y compromiso proactivos

Métricas de rendimiento de soporte al cliente para 2023:

Métrico de soporte	Actuación
Tiempo de respuesta promedio	2.7 horas
Tasa de satisfacción del cliente	87%
Tasa de resolución de emisión	94%

Capital Bancorp, Inc. (CBNK) - Modelo de negocio: canales

Plataformas de banca en línea

Capital Bancorp ofrece servicios de banca digital a través de su plataforma en línea, con Acceso de cuenta 24/7.

Métricas de plataforma en línea	2023 datos
Usuarios bancarios en línea activos	42,567
Volumen de transacción digital	1.2 millones mensuales
Tiempo de actividad de la plataforma en línea	99.98%

Aplicaciones de banca móvil

La aplicación de banca móvil presenta herramientas integrales de gestión financiera.

Estadísticas de aplicaciones móviles	2023 cifras
Descargas de aplicaciones móviles	37,890
Usuarios móviles activos mensuales	28,456

Red de sucursales físicas en Maryland

Capital Bancorp mantiene una presencia física estratégica.

• Ubicaciones de sucursales totales: 23
• Concentrado en las áreas metropolitanas de Maryland
• Tamaño promedio de la rama: 3,200 pies cuadrados.

Centros de llamadas de servicio al cliente

Infraestructura de atención al cliente dedicada.

Rendimiento del centro de llamadas	2023 métricas
Representantes de apoyo total	87
Tiempo de respuesta promedio	2.3 minutos
Calificación de satisfacción del cliente	4.7/5

Canales de comunicación digital y comercialización

Estrategia de participación digital multicanal.

• Seguidores de redes sociales: 15,670
• Suscriptores de marketing por correo electrónico: 52,340
• Gasto en anuncios digitales: $ 1.2 millones anuales

Capital Bancorp, Inc. (CBNK) - Modelo de negocio: segmentos de clientes

Empresas locales pequeñas a medianas

A partir del cuarto trimestre de 2023, Capital Bancorp sirve aproximadamente 2,375 empresas pequeñas a medianas en el área metropolitana de Maryland y Washington D.C.

Segmento de negocios	Número de clientes	Tamaño promedio del préstamo
Negocios minoristas	687	$425,000
Servicios profesionales	542	$375,000
Prácticas de atención médica	356	$512,000

Empresarios y fundadores de startups

Capital Bancorp admite 213 empresarios de inicio con servicios bancarios especializados.

• Soporte promedio de financiamiento de inicio: $ 250,000
• Industrias de clientes de inicio: tecnología, atención médica, servicios profesionales
• Tasa de éxito del cliente de inicio: 68% retenido después del primer año

Clientes de banca minorista individual

Total de clientes de banca minorista individual: 47,582 al 31 de diciembre de 2023.

Tipo de cliente	Número de clientes	Saldo de cuenta promedio
Comprobación personal	32,415	$22,750
Cuentas de ahorro	15,167	$47,500

Inversores inmobiliarios comerciales

Portafolio de bienes raíces comerciales: 247 inversores activos con $ 612 millones en valor total del préstamo.

• Préstamo de bienes raíces comerciales promedio: $ 2.48 millones
• Tipos de propiedades: oficina, minorista, residencial multifamiliar
• Enfoque geográfico: Maryland, Washington D.C., Northern Virginia

Clientes de gestión de patrimonio

El segmento de gestión de patrimonio incluye 1,875 clientes de alto valor de la red.

Nivel de riqueza del cliente	Número de clientes	Activos promedio bajo administración
Alto patrimonio neto ($ 1M- $ 10M)	1,452	$ 3.2 millones
Ultra alto patrimonio neto (> $ 10M)	423	$ 18.5 millones

Capital Bancorp, Inc. (CBNK) - Modelo de negocio: Estructura de costos

Salarios y beneficios de los empleados

A partir del año fiscal 2023, Capital Bancorp, Inc. reportó gastos totales de compensación de empleados de $ 54.3 millones. El desglose de los costos incluye:

Categoría de gastos	Monto ($)
Salarios base	38,120,000
Bonos de rendimiento	6,450,000
Beneficios de atención médica	5,210,000
Contribuciones de jubilación	4,520,000

Mantenimiento de tecnología e infraestructura

Los costos de infraestructura tecnológica para 2023 totalizaron $ 12.7 millones, con la siguiente asignación:

• Mantenimiento de sistemas de TI: $ 5,600,000
• Infraestructura de ciberseguridad: $ 3,200,000
• Licencias de software: $ 2,100,000
• Actualizaciones de hardware: $ 1,800,000

Gastos de cumplimiento regulatorio

Los gastos relacionados con el cumplimiento para 2023 fueron de $ 7.9 millones, incluido:

Área de cumplimiento	Costo ($)
Consultoría legal y regulatoria	3,600,000
Capacitación de cumplimiento	1,450,000
Auditoría e informes	2,850,000

Costos de operación de sucursal

Los gastos operativos totales de la sucursal para 2023 ascendieron a $ 16.5 millones:

• Alquiler y ocupación: $ 6,800,000
• Utilidades: $ 2,300,000
• Equipo de sucursal: $ 3,400,000
• Seguridad de la sucursal: $ 4,000,000

Gastos de marketing y adquisición de clientes

Los gastos de marketing para 2023 totalizaron $ 8.2 millones, distribuidos de la siguiente manera:

Canal de marketing	Gasto ($)
Marketing digital	3,600,000
Publicidad tradicional	2,500,000
Programas de adquisición de clientes	2,100,000

Capital Bancorp, Inc. (CBNK) - Modelo de negocios: flujos de ingresos

Ingresos por intereses de préstamos comerciales

Para el año fiscal 2023, Capital Bancorp informó ingresos por intereses totales de $ 98.4 millones. El interés de préstamos comerciales generó específicamente $ 62.3 millones en ingresos.

Categoría de préstamo	Ingresos de intereses ($ M)	Porcentaje de total
Inmobiliario comercial	37.8	60.7%
Comercial & Préstamos industriales	24.5	39.3%

Servicios bancarios basados ​​en tarifas

Los servicios bancarios basados ​​en tarifas generaron $ 22.6 millones en ingresos para 2023.

• Tarifas de mantenimiento de la cuenta: $ 8.4 millones
• Tarifas de sobregiro: $ 5.2 millones
• Tasas de transferencia de cables: $ 4.1 millones
• Otros cargos de servicio: $ 4.9 millones

Inversiones y ingresos de gestión de patrimonio

Los servicios de inversión produjeron $ 15.7 millones en ingresos durante 2023.

Tipo de servicio	Ingresos ($ M)
Gestión de activos	9.3
Aviso financiero	6.4

Tarifas de transacción

Las tarifas de transacción totalizaron $ 7.9 millones en 2023.

• Tarifas de transacción con tarjeta de crédito: $ 4.6 millones
• Tarifas de transacción de tarjetas de débito: $ 3.3 millones

Cargos de servicio bancario digital

Los servicios de banca digital generaron $ 5.2 millones en ingresos para 2023.

Servicio digital	Ingresos ($ M)
Tarifas bancarias en línea	2.8
Cargos de banca móvil	2.4

Capital Bancorp, Inc. (CBNK) - Canvas Business Model: Value Propositions

You're looking at how Capital Bancorp, Inc. (CBNK) creates value across its distinct business lines. It's not just one bank; it's a structure designed to balance risk and capture niche growth.

Diversified revenue model mitigating regional banking risk

Capital Bancorp, Inc. operates through four distinct divisions, which helps spread risk away from being solely dependent on one geographic area or loan type. This structure includes Commercial Banking, Capital Bank Home Loans (CBHL), OpenSky, and Windsor Advantage. This setup is explicitly noted as a 'Uniquely Diversified' business model as of June 30, 2025.

The financial performance reflects this diversification, showing strong profitability:

Metric	Q3 2025 Value	Q2 2025 Value
Return on Average Assets (ROA)	1.77%	1.60%
Diluted Earnings Per Share (EPS)	$0.89	$0.78

The third quarter's record results were driven by strong growth in the Commercial Bank and OpenSky, which more than made up for the anticipated slowdown of the mortgage business.

National reach for specialized lending (SBA, OpenSky, Home Loans)

Capital Bank Home Loans and OpenSky both use Capital Bank's national banking charter to run consumer business lines across the country. The Windsor Advantage division further supports this national play by servicing, processing, and packaging Small Business Administration (SBA) and USDA loans for other financial institutions. Capital Bancorp, Inc. has been actively strengthening its SBA capabilities, adding several experienced SBA professionals to enhance its small business lending nationwide.

Personalized, community-focused commercial banking in core markets

The Commercial Banking division stays grounded in its core footprint, focusing on providing personalized service to commercial clients primarily in the Washington, D.C. and Baltimore metropolitan areas. This division maintains a strong pipeline, with a proven ability to originate over $150+ million per year of loans.

Simplified, accessible credit building via the OpenSky secured card

OpenSky is designed to serve under-banked populations nationwide by offering digitally originated and served, secured, partially secured, and unsecured credit cards. This provides a clear path for credit building. The scale of this operation is significant:

• OpenSky accounts exceeded 700,000 as of June 30, 2025.
• OpenSky annualized quarterly loan growth reached 44.3 percent.

The growth in this segment is a key driver; OpenSky revenue grew by 80.6 percent to $23.2 million for the quarter ended September 30, 2021, compared to the same period in 2020. That's real growth in serving a specific customer segment.

Finance: draft 13-week cash view by Friday.

Capital Bancorp, Inc. (CBNK) - Canvas Business Model: Customer Relationships

You're looking at how Capital Bancorp, Inc. (CBNK) manages its connections with different customer groups, which is key since their business model is built on both high-touch commercial service and high-volume digital credit.

Dedicated relationship managers for commercial clients

For commercial clients, Capital Bancorp, Inc. leans heavily on human expertise. This is evident in their strategic staffing moves. For instance, in May 2025, the bank expanded its Commercial Banking in Delaware by adding experienced relationship managers to strengthen local business support across Maryland, Delaware, and Virginia. Also, in December 2025, Capital Bank accelerated its Small Business Administration (SBA) growth by adding several experienced SBA professionals to its team. This investment in specialized talent shows a commitment to deep, dedicated service for commercial lending needs.

High-touch, personalized service for local businesses and entrepreneurs

The core philosophy here is to deliver tailored financial solutions, which they frame as their operating principle: Think Big, Act Local. This consultative approach is what they believe fuels their continued growth. They focus on providing a little input for a tailored solution for your business. This high-touch service is supported by the bank's overall size, with total assets reported at approximately $3.4 billion as of September 30, 2025. The bank's Q3 2025 performance, posting net income of $15.1 million, shows this relationship focus is translating to results.

Here's a quick look at the scale supporting these relationship efforts:

Metric	Value	Date/Context
Total Assets	$3.4 billion	September 30, 2025
Q3 2025 Net Income	$15.1 million	Q3 2025
Book Value per Common Share	$23.80	September 30, 2025
Digital Platform Launch	Q2 Partner Platform	May 2025
OpenSky Accounts (Benchmark)	Exceeded 700,000	As of 2021

Self-service digital banking for day-to-day transactions

To handle day-to-day needs efficiently, Capital Bancorp, Inc. is moving toward a branch-lite model, maximizing web-based and mobile banking applications to drive core funding. A major step in this direction was the official launch of their new digital banking platform, powered by Q2, in May 2025. This upgrade was designed to deliver a secure, modern experience specifically for their business customers. The strategy is to use technology to improve the customer experience and loyalty while delivering operational efficiencies.

Standardized, high-volume digital interaction for OpenSky credit card users

The OpenSky brand represents the standardized, high-volume side of the customer relationship. This division focuses on providing secured, partially secured, and unsecured credit solutions nationwide. Capital Bancorp, Inc. aims to grow this secured credit card business by utilizing its customer acquisition system, Apollo, and leveraging its investment in a new core processing system. The bank also plans to retain OpenSky customers who graduate from the secured product through the limited use of partially and fully unsecured credit products. While the latest public account number is from 2021, when OpenSky accounts exceeded 700,000, the current strategy is clearly focused on scaling this digital, standardized offering.

The customer relationship mix involves:

• Dedicated, consultative service for Commercial Banking.
• Personalized support for local businesses and entrepreneurs.
• Modern, self-service digital tools for daily banking tasks.
• Nationwide, high-volume credit card servicing via OpenSky.

Finance: draft the 13-week cash view by Friday.

Capital Bancorp, Inc. (CBNK) - Canvas Business Model: Channels

Capital Bancorp, Inc. uses a multi-faceted channel strategy to reach its customer segments, blending a limited physical footprint with significant national digital and specialized lending platforms. As of September 30, 2025, the company managed total assets of approximately $3.4 billion.

The physical presence is deliberately concentrated, focusing on key Mid-Atlantic markets and strategic expansion. The limited physical branch network includes locations in:

• MD: Rockville and Columbia.
• VA: Reston.
• DC: Washington D.C.
• FL: Ft. Lauderdale.
• IL: N. Riverside.
• NC: Raleigh (new branch opened March 3, 2025).

This physical network is supplemented by a robust digital banking platform, which includes both web and mobile access for customers, following the launch of a new digital banking platform in partnership with Q2.

National direct-to-consumer channels are critical for scale, primarily driven by the OpenSky credit card operation and Capital Bank Home Loans. OpenSky, which provides a nationwide secured credit card to help under-banked customers, saw its accounts exceed 700,000 as of 2021. By Q2 2025, OpenSky contributed 16% of the company's net income, down from 45% in FY 2023, and accounted for 31% of year-to-date fee revenue. Capital Bank Home Loans offers mortgage lending across all 50 states.

The Windsor Advantage platform serves as a specialized national channel for loan origination and servicing, operating as a subsidiary of Capital Bancorp, Inc. This platform offers a comprehensive outsourced U.S. Small Business Administration (SBA) 7(a) and U.S. Department of Agriculture (USDA) lending platform to other financial institutions. Windsor Advantage's total servicing portfolio stood at $2.5 billion at December 31, 2024. Its national reach extends to 140+ Lenders in 36 States. This channel has become the dominant contributor to profitability, generating 78% of Q2 2025 net income, and accounted for 36% of year-to-date fee revenue in Q2 2025. Since 2010, the platform has facilitated over $5.5+ Billion in funded SBA and USDA loans.

Here is a snapshot of the scale and contribution of the national/digital channels as of mid-to-late 2025:

Channel Component	Metric Type	Latest Reported Value	Date/Period
Physical Footprint	Number of Branch Locations	7	September 30, 2025
OpenSky	Contribution to Net Income	16%	Q2 2025
OpenSky	Contribution to Year-to-Date Fee Revenue	31%	Q2 2025
Windsor Advantage	Contribution to Net Income	78%	Q2 2025
Windsor Advantage	Contribution to Year-to-Date Fee Revenue	36%	Q2 2025
Windsor Advantage	Total Servicing Portfolio	$2.5 billion	December 31, 2024
Windsor Advantage	Lenders Served Nationally	140+	Current

The company's revenue for the quarter ending September 30, 2025, was $58.22M, marking a 41.23% growth for that quarter.

For the third quarter of 2025, the Return on Average Assets (ROA) was 1.77%, and the Return on Average Equity (ROE) was 15.57%.

The efficiency ratio improved to 65.1% in Q2 2025, from 67.1% a year earlier.

Finance: draft 13-week cash view by Friday.

Capital Bancorp, Inc. (CBNK) - Canvas Business Model: Customer Segments

You're looking at the customer base for Capital Bancorp, Inc. (CBNK) as of late 2025. The business model clearly segments its focus across commercial lending, national credit cards, and mortgage origination, which is key to understanding their revenue mix.

Small to medium-sized businesses (SMBs) and entrepreneurs

This group is served through the Commercial Bank, which includes Government Guaranty Lending (GGL) with niche expertise in Solar and Renewable Energy. The Commercial Bank contributed 16% to the fully-allocated illustrative net income for Q2 2025. Capital Bank, N.A. announced an expansion of its Small Business Administration (SBA) team in December 2025, signaling a deliberate investment to grow its national presence in small business lending. The bank has a proven ability to originate $150+ million per year of loans within its strong Commercial & Industrial (C&I) pipeline.

Not-for-profit associations in the Washington D.C./Baltimore metro areas

Capital Bancorp, Inc. operates as the bank holding company for Capital Bank, N.A., providing services to not-for-profit associations primarily in Maryland, Virginia, and the District of Columbia. The bank operates branches in key metro areas including Washington D.C., Reston, VA, Rockville, MD, and Columbia, MD, as of September 30, 2025. While specific revenue contribution from this exact sub-segment isn't broken out, the core geographic focus of the bank's physical presence centers here.

National consumer base seeking secured credit cards (OpenSky)

The OpenSky division targets consumers seeking to re-establish credit. As of Q2 2025, OpenSky accounted for 16% of the fully-allocated illustrative net income. The division has scaled significantly; OpenSky® accounts exceeded 700,000 by 2021. For the OpenSky Secured Visa® Credit Card in Q1 2025, the average approval rate was 89.39%. This product line is designed to help under-banked customers, with options like the Secured Visa® requiring a minimum deposit of $100 or the Plus Secured Visa® requiring a minimum deposit of $300.

Mortgage borrowers across all 50 states

Capital Bank Home Loans (CBHL) serves a national base, though its originations show a concentration in its core markets. As of the end-of-2023 data, approximately 62.8% of CBHL loan originations by volume occurred within Capital Bank's operating markets of Maryland, Virginia, and Washington, D.C.. The remaining originations are national in scope, primarily utilizing a consumer direct channel. The bank also has a servicing portfolio, which stood at $2.9 Billion as of Q2 2025.

Here's a quick look at the segment contributions based on Q2 2025 illustrative net income allocation:

Business Segment	Illustrative Net Income Contribution (Q2 2025)	Key Metric/Data Point
Windsor Advantage	78%	Servicing Portfolio: $2.9Bn (Q2 '25)
OpenSky	16%	Accounts exceeded 700,000 (as of 2021)
Commercial Bank	7%	C&I pipeline proven ability to originate $150+ million/year

You can see the overall company health supports these segments; total assets for Capital Bancorp, Inc. were $3.389 billion as of Q2 2025, and revenue for the quarter ending September 30, 2025, was $58.22M.

The customer base diversity is supported by the following operational facts:

• Capital Bank, N.A. operates bank branches in seven locations as of September 30, 2025.
• The national OpenSky secured card average approval rate was 89.39% in Q1 2025.
• The company is actively growing its SBA team to better serve entrepreneurs nationwide.
• The mortgage origination split for Capital Bank Home Loans was approximately 62.8% in core DMV markets in 2023.

Capital Bancorp, Inc. (CBNK) - Canvas Business Model: Cost Structure

You're looking at the cost side of Capital Bancorp, Inc. (CBNK)'s operations as of late 2025, which is heavily influenced by its funding structure and recent business model transformation, particularly with the integration of IFH.

Interest Expense on Deposits and Borrowings

The cost of funding remains a major component. For the first quarter of 2025 (1Q 2025), the Interest Expense on deposits and borrowings was reported at $\mathbf{\$16.6 \text{ million}}$. This figure reflected a decrease of $\mathbf{\$0.6 \text{ million}}$ from the linked fourth quarter of 2024, primarily due to a reduction in the average balance of borrowings. Year-over-year, however, this expense was up $\mathbf{25.1\%}$, driven by organic growth and the IFH acquisition.

Key related metrics from 1Q 2025 include:

• Total cost of deposits: $\mathbf{2.42\%}$.
• Cost of interest-bearing deposits: $\mathbf{3.37\%}$.
• Net purchase accounting accretion included in interest expense: $\mathbf{\$1.1 \text{ million}}$.

Personnel and Compensation Costs

Personnel costs reflect the growth in staff supporting the expanded footprint and specialized lending areas. While specific compensation dollar amounts for 2025 aren't detailed here, the scale of the organization is indicated by employee counts reported near the end of 2025, hovering around $\mathbf{407}$ or $\mathbf{398}$ employees, depending on the reporting period. A clear action driving future personnel costs is the strategic expansion of the Small Business Administration (SBA) team, announced on December 4, 2025, which involved adding several experienced SBA professionals.

Technology and Data Processing Costs

Technology investment supports the digital platform and specialized operations like OpenSky®. Specific line-item costs for technology and data processing are embedded within other expense categories in the available summaries. However, the bank highlighted advancements, such as launching a new Digital Banking Platform in partnership with Q2 in May 2025, suggesting ongoing, material technology expenditure.

General and Administrative Expenses and Operational Efficiency

The overall cost control effectiveness is measured by the efficiency ratio, which incorporates general and administrative expenses (G&A) against revenue. Capital Bancorp, Inc. (CBNK) has shown improvement in this area:

Period	Metric	Value
1Q 2025	Core Efficiency Ratio	$\mathbf{62.8\%}$
Q2 2025	Efficiency Ratio	$\mathbf{65.1\%}$
1Q 2025	Core Efficiency Ratio (vs. 4Q 2024)	$\mathbf{349 \text{ bps}}$ improvement
Q2 2025	Efficiency Ratio (vs. 2Q 2024)	$\mathbf{-200 \text{ bps}}$ improvement

The Core Efficiency Ratio for the first quarter ended March 31, 2025, was $\mathbf{62.8\%}$. By the second quarter of 2025, the overall Efficiency Ratio stood at $\mathbf{65.1\%}$, down from $\mathbf{67.1\%}$ a year prior, showing that overhead costs as a percentage of revenue are tightening.

Capital Bancorp, Inc. (CBNK) - Canvas Business Model: Revenue Streams

Capital Bancorp, Inc.'s revenue streams are built upon a diversified model spanning traditional banking activities and specialized national lending/servicing platforms. The core of the revenue generation remains the spread between interest earned on assets and interest paid on liabilities.

Net Interest Income (NII) is the primary driver. For the third quarter of 2025, Capital Bancorp, Inc. reported a Net Interest Income (NII) of $52.0 million. This NII contributed significantly to the total revenue of $58.47 million reported for Q3 2025.

Non-interest income, which includes various fees, is the second major component. For Q3 2025, the total non-interest income was approximately $6.47 million (derived from Total Revenue of $58.47 million minus NII of $52.0 million). This fee income is sourced from several key areas, including the specialized lending and servicing divisions.

The Windsor Advantage platform, which provides an outsourced U.S. Small Business Association (SBA) 7(a) and U.S. Department of Agriculture (USDA) lending platform, generates revenue through servicing fees. The total servicing portfolio size for Windsor Advantage stood at $2.6 billion as of March 31, 2025. For the first quarter of 2025 (1Q 2025), the Gross government loan servicing revenue totaled $4.6 million, which included $1.0 million of Capital Bank related servicing fees. For comparison, the Gross government loan servicing revenue in the preceding quarter (4Q 2024) was also $4.6 million, but it included $0.5 million of Capital Bank related servicing fees. The noninterest income in 1Q 2025 saw a decrease of $0.5 million attributed to lower government loan servicing revenue (Windsor).

The OpenSky national credit card portfolio contributes through interest and fees. As of the end of 4Q 2024, the OpenSky division had 552,566 open customer accounts. Specific interest and fee income for Q3 2025 is not explicitly detailed, but the OpenSky division is a recognized contributor to overall revenue. For context on fee structure, the OpenSky Secured Visa Credit Card has an Annual Fee of $35 and the APR for Cash Advances is 24.14%.

Revenue is also recognized from the sale of loans originated through the Capital Bank Home Loans division. The Gain on sale of mortgage loans was $1.9 million in the fourth quarter of 2024 (4Q 2024), which resulted from selling $77.4 million of mortgage loans.

The breakdown of key revenue-generating metrics is presented below:

Revenue Stream Component	Metric/Period	Amount
Net Interest Income (NII)	Q3 2025	$52.0 million
Gross Government Loan Servicing Revenue (Windsor)	Q1 2025	$4.6 million
Gain on Sale of Mortgage Loans	4Q 2024	$1.9 million
Windsor Advantage Servicing Portfolio Size	March 31, 2025	$2.6 billion
OpenSky Customer Accounts	December 31, 2024	552,566

Additional data points related to fee income streams include:

• Noninterest income for 1Q 2025 was $12.5 million.
• Core fee revenue for 1Q 2025 was $12.5 million.
• The OpenSky Secured Visa Credit Card has a stated Annual Fee of $35.
• The Cash Advance APR for the OpenSky card is 24.14%.