Short answer
Capital Bancorp Inc (CBNK) filed its Q3 2025 10-Q quarterly report on Nov 10, 2025 for the quarter ended Sep 30, 2025. Quarterly revenue was $65M (up 23.3% year over year) with net income of $15M.
Q3 2025 key financials · XBRL
- Revenue
- $65M
- +23.3% YoY · +0.5% QoQ
- Net income
- $15M
- +73.7% YoY · +14.7% QoQ
- Operating margin
- -1.4%
- EPS (diluted)
- $0.90
- +42.9% YoY · +15.4% QoQ
Source: XBRL data from the Capital Bancorp Inc (CBNK) Q3 2025 10-Q on SEC EDGAR. USD.
Capital Bancorp Inc Q3 2025 10-Q analysis
AI summary of MD&A and risk factor updates
Management Discussion & Analysis
- Net income $15.1M vs $8.7M YoY, up 73.7%; adjusted net income $12.2M vs $9.2M
- Net interest income $52.0M vs $38.4M, up 35.6%; net interest margin 6.36% vs 6.41%
- Commercial Banking margin 4.64% vs 4.01%; OpenSky net charge-offs $2.1M
- Noninterest income $11.1M vs $6.6M, up 66.8%; credit card fees $4.5M
- Near-term risks: interest-rate volatility, proposed federal workforce reductions, declining federal spending, credit quality deterioration
Risk Factors
- Newly added risk: U.S. federal shutdown halting SBA and USDA loan processing
- Most material update: Application backlogs potentially extending processing times after government reopening
- Regulatory risk: SBA and USDA origination and servicing disruptions reducing sales income and Windsor Advantage revenue
- Market risk: Washington, D.C. furloughs and contractor layoffs increasing borrower loan-loss exposure
- Credit and liquidity risk: Shutdown-related financial stress potentially reducing borrowers’ repayments and deposit balances
Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K
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