Capital Bancorp (NASDAQ: CBNK) reported net income of $12.3 million for the second quarter of 2026, according to its earnings release dated July 23, 2026. Earnings per diluted share were $0.86, compared to $0.82 in the same quarter last year.
The company's net interest income for the quarter was $39.5 million, up from $36.8 million in Q2 2025. Total assets as of June 30, 2026, stood at $4.2 billion, an increase from $3.9 billion a year earlier.
Return on average assets (ROAA) was 1.19%, and return on average equity (ROAE) was 12.8%. The efficiency ratio improved to 56.2% from 58.1% in the prior-year quarter.
Capital Bancorp's loan portfolio grew to $3.5 billion, up 8% year-over-year, while deposits increased to $3.7 billion. The company maintained strong credit quality with nonperforming assets at 0.15% of total assets.
