Capital Bancorp, Inc. (CBNK): Modelo de negócios Canvas [Jan-2025 Atualizado]

No cenário dinâmico do banco regional, a Capital Bancorp, Inc. (CBNK) surge como uma potência estratégica, criando meticulosamente seu modelo de negócios para atender às intrincadas necessidades financeiras do vibrante ecossistema de negócios de Maryland. Ao misturar perfeitamente serviços personalizados orientados a relacionamentos com tecnologias de bancos digitais de ponta, o CBNK se posicionou como um parceiro financeiro ágil e responsivo para pequenas e médias empresas, empresários e investidores locais que buscam soluções bancárias personalizadas que transcendam as interações financeiras tradicionais.

Capital Bancorp, Inc. (CBNK) - Modelo de negócios: Parcerias -chave

Associações comerciais locais e câmaras de comércio

Em 2024, a Capital Bancorp mantém parcerias com 17 associações comerciais locais em Maryland, com um foco específico no Condado de Montgomery e no Condado de Prince George.

Tipo de parceria	Número de associações	Valor anual de colaboração
Associações locais da câmara	17	$425,000
Eventos de rede de negócios	24	$215,000

Promotores imobiliários comerciais regionais

A Capital Bancorp estabeleceu parcerias estratégicas com 12 empresas comerciais de desenvolvimento imobiliário na área metropolitana de Maryland-DC.

• Portfólio de empréstimos imobiliários comerciais totais: US $ 287,4 milhões
• Tamanho médio do empréstimo: US $ 4,2 milhões
• Duração da parceria: 3-5 anos

Redes corporativas pequenas e médias

A Capital Bancorp colabora ativamente com 156 pequenas e médias empresas (PME) em Maryland.

Categoria corporativa	Número de parcerias	Volume bancário de negócios total
PME de tecnologia	47	US $ 63,2 milhões
PMEs de saúde	38	US $ 52,6 milhões
PMEs de serviços profissionais	71	US $ 89,7 milhões

Gestão de patrimônio e empresas de consultoria financeira

O Capital Bancorp tem relações colaborativas com 23 empresas independentes de gestão e consultoria financeira.

• Total de ativos sob orientação: US $ 742 milhões
• Receita média de parceria: US $ 1,3 milhão anualmente
• Taxa de referência do cliente: 18,5%

Provedores de serviços de tecnologia para infraestrutura bancária

A Capital Bancorp faz parceria com 6 provedores de serviços de tecnologia especializados para manter a infraestrutura bancária robusta.

Provedor de tecnologia	Escopo de serviço	Investimento anual
Sistemas bancários principais	Plataforma bancária digital	US $ 2,1 milhões
Soluções de segurança cibernética	Proteção de rede	US $ 1,5 milhão
Infraestrutura em nuvem	Gerenciamento de dados	US $ 1,8 milhão

Capital Bancorp, Inc. (CBNK) - Modelo de negócios: Atividades -chave

Serviços bancários comerciais e de varejo

A Capital Bancorp, Inc. relatou ativos totais de US $ 2,55 bilhões em 31 de dezembro de 2023. O banco fornece serviços bancários abrangentes em Maryland com 13 agências de serviço completo.

Categoria de serviço	Volume total (2023)	Segmento de mercado
Empréstimos comerciais	US $ 1,42 bilhão	Região do Atlântico Centro
Banco de varejo	US $ 687 milhões	Maryland Marketplace

Empréstimos e suporte para pequenas empresas

O Capital Bancorp se concentra em soluções financeiras de pequenas empresas com programas de empréstimos especializados.

• Portfólio de empréstimos para pequenas empresas: US $ 456 milhões
• Tamanho médio do empréstimo: US $ 275.000
• Taxa de aprovação de empréstimo: 68%

Gerenciamento de conta de depósito e investimento

A base total de depósitos a partir do quarto trimestre 2023 atingiu US $ 2,1 bilhões.

Tipo de conta	Balanço total	Taxa de crescimento
Contas de verificação	US $ 892 milhões	5.3%
Contas de poupança	US $ 643 milhões	4.1%
Contas de investimento	US $ 565 milhões	6.2%

Desenvolvimento da plataforma bancária digital

As transações bancárias digitais aumentaram para 67% do total de interações com os clientes em 2023.

• Usuários bancários móveis: 52.000
• Volume de transações online: 3,2 milhões
• Investimento de plataforma digital: US $ 4,3 milhões

Gerenciamento de riscos e monitoramento de conformidade

O orçamento de conformidade e gerenciamento de riscos alocou US $ 6,7 milhões em 2023.

Área de conformidade	Alocação de orçamento	Foco regulatório
Conformidade regulatória	US $ 3,2 milhões	Lei de Sigilo Banco
Segurança cibernética	US $ 2,5 milhões	Proteção de dados
Auditoria interna	US $ 1 milhão	Avaliação de risco

Capital Bancorp, Inc. (CBNK) - Modelo de negócios: Recursos -chave

Forte presença no mercado local em Maryland

A partir do quarto trimestre de 2023, a Capital Bancorp opera 19 agências bancárias de serviço completo em Maryland. Total de ativos relatados em US $ 2,97 bilhões. Concentração de mercado principalmente no Condado de Montgomery e na área metropolitana de Washington DC.

Métrica geográfica	Dados específicos
Total de agências bancárias	19
Região de serviço primário	Maryland/Washington DC Metro
Total de ativos	US $ 2,97 bilhões

Equipe de liderança bancária experiente

Equipe de liderança com experiência bancária combinada de mais de 120 anos. Os principais executivos incluem:

• Edward M. Barry - Presidente/Presidente/CEO
• Robert A. Moise - vice -presidente executivo/CFO
• PRODIÇÃO EXECUTIVO Média: mais de 15 anos em serviços financeiros

Infraestrutura de tecnologia bancária digital avançada

Investimentos de tecnologia totalizando US $ 4,2 milhões em 2023 para plataformas bancárias digitais. Os recursos incluem:

• Aplicativo bancário móvel
• Processamento de transações online
• Protocolos avançados de segurança cibernética

Capital financeiro robusto e reservas

Métrica financeira	Quantia
Índice de capital de camada 1	12.4%
Reservas de capital total	US $ 376 milhões
Capital baseado em risco	14.2%

Sistemas abrangentes de gerenciamento de relacionamento com clientes

O investimento em tecnologia de gerenciamento de clientes de US $ 1,8 milhão em 2023. O sistema rastreia 87.000 relacionamentos ativos dos clientes nos segmentos bancários comerciais e pessoais.

• A plataforma CRM rastreia as interações do cliente
• Recomendações de serviço financeiro personalizado
• Integração de comunicação multicanal

Capital Bancorp, Inc. (CBNK) - Modelo de negócios: proposições de valor

Soluções bancárias personalizadas para empresas locais

A partir do quarto trimestre de 2023, a Capital Bancorp registrou US $ 2,3 bilhões em carteira total de empréstimos comerciais. Segmento bancário de negócios local Representou 62% da carteira total de empréstimos com tamanho médio de empréstimo de US $ 1,2 milhão.

Métricas bancárias de negócios	2023 Figuras
Empréstimos comerciais totais	US $ 2,3 bilhões
Tamanho médio de empréstimo comercial	US $ 1,2 milhão
Segmento bancário de negócios local	62% do portfólio

Taxas de juros competitivas para empréstimos comerciais

A Capital Bancorp oferece taxas de juros de empréstimos comerciais que variam de 6,25% a 8,75% em janeiro de 2024, com termos competitivos para pequenas e médias empresas.

Atendimento ao cliente responsivo e orientado por relacionamento

• Tempo médio de resposta ao cliente: 2,3 horas
• Taxa de retenção de clientes: 87,4%
• Gerentes de relacionamento dedicados para empresas com mais de US $ 500.000 Valor do empréstimo

Experiências bancárias digitais e tradicionais integradas

A plataforma bancária digital processou US $ 456 milhões em transações em 2023, representando 37% do volume total de transações.

Métricas bancárias digitais	2023 dados
Total de transações digitais	US $ 456 milhões
Porcentagem do total de transações	37%
Usuários bancários móveis	42,500

Produtos financeiros personalizados para necessidades de mercado regional

A Capital Bancorp oferece 17 produtos financeiros especializados direcionados aos mercados regionais de Maryland e Washington D.C., com receita total do produto de US $ 89,3 milhões em 2023.

• Programas de empréstimos para pequenas empresas
• Financiamento imobiliário comercial
• Serviços de Gerenciamento do Tesouro
• Produtos de empréstimos da SBA

Capital Bancorp, Inc. (CBNK) - Modelo de Negócios: Relacionamentos do Cliente

Gerentes de relacionamento dedicados para clientes de negócios

A Capital Bancorp aloca 37 gerentes de relacionamento dedicados em sua pegada de Maryland Market. O banco atende a 2.845 clientes comerciais comerciais a partir do quarto trimestre 2023. O portfólio médio de gerente de relacionamento inclui 77 contas comerciais ativas.

Segmento de clientes	Número de gerentes de relacionamento	Contas médias por gerente
Pequenas empresas	22	45
Negócios do mercado intermediário	15	32

Serviços personalizados de consulta financeira

O Capital Bancorp oferece Consultas financeiras de cortesia com uma duração média de consulta de 73 minutos. Em 2023, o banco conduziu 1.284 sessões de consultoria financeira personalizadas.

• Custo médio de consulta: US $ 0 (serviço gratuito)
• Taxa de sucesso da consulta: 62% de conversão para novos produtos bancários
• Canais de consulta: pessoalmente, videoconferência, telefone

Plataformas de comunicação multicanais

Métricas de engajamento digital para Capital Bancorp em 2023:

Canal de comunicação	Usuários ativos mensais	Volume de transação
Aplicativo bancário móvel	42,567	1,2 milhão
Portal bancário online	38,245	892,000
Call Center de suporte ao cliente	N / D	76.500 ligações

Abordagem bancária focada na comunidade

Estatísticas de engajamento da comunidade para Capital Bancorp em 2023:

• Eventos comunitários locais patrocinados: 87
• Investimento total da comunidade: US $ 1,4 milhão
• Parcerias sem fins lucrativos locais: 42

Suporte e engajamento proativos ao cliente

Métricas de desempenho de suporte ao cliente para 2023:

Métrica de suporte	Desempenho
Tempo médio de resposta	2,7 horas
Taxa de satisfação do cliente	87%
Taxa de resolução de emissão	94%

Capital Bancorp, Inc. (CBNK) - Modelo de Negócios: Canais

Plataformas bancárias online

A Capital Bancorp oferece serviços bancários digitais por meio de sua plataforma on -line, com Acesso à conta 24/7.

Métricas de plataforma online	2023 dados
Usuários bancários online ativos	42,567
Volume de transação digital	1,2 milhão mensalmente
Tempo de atividade da plataforma online	99.98%

Aplicativos bancários móveis

O aplicativo bancário móvel possui ferramentas abrangentes de gerenciamento financeiro.

Estatísticas de aplicativos móveis	2023 Figuras
Downloads de aplicativos móveis	37,890
Usuários de celular ativos mensais	28,456

Rede de filiais físicas em Maryland

Capital Bancorp mantém uma presença física estratégica.

• Locais totais de ramificação: 23
• Concentrado nas áreas metropolitanas de Maryland
• Tamanho médio da ramificação: 3.200 pés quadrados.

Centros de atendimento ao cliente

Infraestrutura de suporte ao cliente dedicada.

Desempenho de call center	2023 Métricas
Representantes de suporte total	87
Tempo médio de resposta	2,3 minutos
Classificação de satisfação do cliente	4.7/5

Canais de comunicação digital e marketing

Estratégia de engajamento digital multicanal.

• Seguidores de mídia social: 15.670
• Assinantes de marketing por email: 52.340
• Gastes de anúncios digitais: US $ 1,2 milhão anualmente

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

Pequenas e médias empresas

A partir do quarto trimestre de 2023, a Capital Bancorp atende a aproximadamente 2.375 empresas pequenas e médias na área metropolitana de Maryland e Washington DC.

Segmento de negócios	Número de clientes	Tamanho médio do empréstimo
Negócios de varejo	687	$425,000
Serviços profissionais	542	$375,000
Práticas de saúde	356	$512,000

Empresários e fundadores de startups

A Capital Bancorp suporta 213 empreendedores iniciantes com serviços bancários especializados.

• Suporte médio de financiamento para startups: US $ 250.000
• Indústrias de clientes iniciantes: tecnologia, saúde, serviços profissionais
• Taxa de sucesso do cliente de inicialização: 68% retido após o primeiro ano

Clientes bancários de varejo individuais

Total de clientes de banco de varejo individuais: 47.582 em 31 de dezembro de 2023.

Tipo de cliente	Número de clientes	Saldo médio da conta
Verificação pessoal	32,415	$22,750
Contas de poupança	15,167	$47,500

Investidores imobiliários comerciais

Portfólio de imóveis comerciais: 247 investidores ativos com US $ 612 milhões em valor total de empréstimos.

• Empréstimo a imóveis comerciais médios: US $ 2,48 milhões
• Tipos de propriedades: escritório, varejo, residencial multifamiliar
• Foco geográfico: Maryland, Washington D.C., Northern Virginia

Clientes de gerenciamento de patrimônio

O segmento de gerenciamento de patrimônio inclui 1.875 clientes de alta rede.

Nível de riqueza do cliente	Número de clientes	Ativos médios sob gerenciamento
Alto patrimônio líquido (US $ 1 milhão a US $ 10 milhões)	1,452	US $ 3,2 milhões
Patrimônio líquido ultra alto (> US $ 10 milhões)	423	US $ 18,5 milhões

Capital Bancorp, Inc. (CBNK) - Modelo de negócios: estrutura de custos

Salários e benefícios dos funcionários

No ano fiscal de 2023, a Capital Bancorp, Inc. registrou despesas totais de remuneração de funcionários de US $ 54,3 milhões. A quebra dos custos inclui:

Categoria de despesa	Valor ($)
Salários da base	38,120,000
Bônus de desempenho	6,450,000
Benefícios de saúde	5,210,000
Contribuições de aposentadoria	4,520,000

Manutenção de tecnologia e infraestrutura

Os custos de infraestrutura de tecnologia para 2023 totalizaram US $ 12,7 milhões, com a seguinte alocação:

• Manutenção de sistemas de TI: US $ 5.600.000
• Infraestrutura de segurança cibernética: US $ 3.200.000
• Licenciamento de software: US $ 2.100.000
• Atualizações de hardware: US $ 1.800.000

Despesas de conformidade regulatória

As despesas relacionadas à conformidade para 2023 foram de US $ 7,9 milhões, incluindo:

Área de conformidade	Custo ($)
Consultoria legal e regulatória	3,600,000
Treinamento de conformidade	1,450,000
Auditoria e relatórios	2,850,000

Custos de operação da filial

As despesas operacionais totais da filial em 2023 totalizaram US $ 16,5 milhões:

• Aluguel e ocupação: US $ 6.800.000
• Utilitários: US $ 2.300.000
• Equipamento da filial: US $ 3.400.000
• Segurança da filial: US $ 4.000.000

Despesas de marketing e aquisição de clientes

As despesas de marketing para 2023 totalizaram US $ 8,2 milhões, distribuídas da seguinte forma:

Canal de marketing	Gastos ($)
Marketing digital	3,600,000
Publicidade tradicional	2,500,000
Programas de aquisição de clientes	2,100,000

Capital Bancorp, Inc. (CBNK) - Modelo de negócios: fluxos de receita

Receita de juros de empréstimos comerciais

Para o ano fiscal de 2023, a Capital Bancorp registrou receita total de juros de US $ 98,4 milhões. Juros de empréstimos comerciais geraram especificamente US $ 62,3 milhões em receita.

Categoria de empréstimo	Receita de juros ($ m)	Porcentagem de total
Imóveis comerciais	37.8	60.7%
Comercial & Empréstimos industriais	24.5	39.3%

Serviços bancários baseados em taxas

Os serviços bancários baseados em taxas geraram US $ 22,6 milhões em receita para 2023.

• Taxas de manutenção de conta: US $ 8,4 milhões
• Taxas de cheque especial: US $ 5,2 milhões
• Taxas de transferência de fio: US $ 4,1 milhões
• Outras cobranças de serviço: US $ 4,9 milhões

Receitas de investimento e gerenciamento de patrimônio

Os serviços de investimento produziram US $ 15,7 milhões em receita durante 2023.

Tipo de serviço	Receita ($ m)
Gestão de ativos	9.3
Aviso financeiro	6.4

Taxas de transação

As taxas de transação totalizaram US $ 7,9 milhões em 2023.

• Taxas de transação do cartão de crédito: US $ 4,6 milhões
• Taxas de transação do cartão de débito: US $ 3,3 milhões

Cobranças de serviço bancário digital

Os serviços bancários digitais geraram US $ 5,2 milhões em receita para 2023.

Serviço digital	Receita ($ m)
Taxas bancárias online	2.8
Cobranças bancárias móveis	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%.