- Capital Bancorp reported **GAAP Net Income of $15.1 million**, or **$0.89 per diluted share**, for 3Q 2025, an increase from $13.1 million ($0.78 per diluted share) in 2Q 2025 and $8.7 million ($0.62 per diluted share) in 3Q 2024.  **[1419536_33c80ded08af47e08a78dcc228a3cbac_0]** **[1419536_33c80ded08af47e08a78dcc228a3cbac_2]** 
- The company's profitability metrics for 3Q 2025 included a **return on average assets (ROA) of 1.77%** and a **return on average equity (ROE) of 15.57%**.  **[1419536_33c80ded08af47e08a78dcc228a3cbac_0]** **[1419536_33c80ded08af47e08a78dcc228a3cbac_11]** 
- **Book value per common share increased to $23.80** at September 30, 2025, up **$0.88** from 2Q 2025 and **$3.67** from 3Q 2024.  **[1419536_33c80ded08af47e08a78dcc228a3cbac_0]** **[1419536_33c80ded08af47e08a78dcc228a3cbac_11]** 
- **Gross Loans grew by $82.2 million**, an **annualized 11.9%**, during 3Q 2025, contributing to a **$714.5 million year-over-year** increase.  **[1419536_33c80ded08af47e08a78dcc228a3cbac_0]** **[1419536_33c80ded08af47e08a78dcc228a3cbac_7]** 
- A **cash dividend of $0.12 per share** was declared.  **[1419536_33c80ded08af47e08a78dcc228a3cbac_0]** **[1419536_33c80ded08af47e08a78dcc228a3cbac_2]**

Capital Bancorp Reports Strong Third Quarter 2025 Financial Results

- Capital Bancorp, Inc. reported **GAAP net income of $15.1 million**, or **$0.89 per diluted share**, for Q3 2025, an increase from $13.1 million ($0.78 per diluted share) in Q2 2025 and $8.7 million ($0.62 per diluted share) in Q3 2024.  **[1419536_0001419536-25-000099_earningsrelease9302025.htm:1]** **[1419536_0001419536-25-000099_earningsrelease9302025.htm:2]** **[1419536_0001419536-25-000099_earningsrelease9302025.htm:3]** **[1419536_0001419536-25-000099_earningsrelease9302025.htm:12]** **[1419536_0001419536-25-000099_earningsrelease9302025.htm:15]** **[1419536_0001419536-25-000099_earningsrelease9302025.htm:23]** 
- The company achieved a **return on average assets (ROA) of 1.77%**, a **return on average equity (ROE) of 15.57%**, and a **Net Interest Margin (NIM) of 6.36%** for Q3 2025.  **[1419536_0001419536-25-000099_earningsrelease9302025.htm:0]** **[1419536_0001419536-25-000099_earningsrelease9302025.htm:1]** **[1419536_0001419536-25-000099_earningsrelease9302025.htm:10]** **[1419536_0001419536-25-000099_earningsrelease9302025.htm:12]** **[1419536_0001419536-25-000099_earningsrelease9302025.htm:17]** **[1419536_0001419536-25-000099_earningsrelease9302025.htm:23]** 
- **Gross Loans grew $82.2 million**, or **11.9% (annualized)**, during Q3 2025, with significant year-over-year growth driven by the IFH acquisition.  **[1419536_0001419536-25-000099_earningsrelease9302025.htm:1]**  Total deposits decreased $28.7 million, or (3.9)% (annualized), from Q2 2025.  **[1419536_0001419536-25-000099_earningsrelease9302025.htm:1]** 
- Book value per common share reached **$23.80** at September 30, 2025, and tangible book value per share was **$21.27**.  **[1419536_0001419536-25-000099_earningsrelease9302025.htm:1]** **[1419536_0001419536-25-000099_investoroverview09302025.htm:9]** **[1419536_0001419536-25-000099_earningsrelease9302025.htm:10]**  The Board of Directors also declared a **cash dividend of $0.12 per share**.  **[1419536_0001419536-25-000099_earningsrelease9302025.htm:1]** **[1419536_0001419536-25-000099_earningsrelease9302025.htm:2]**

Capital Bancorp (CBNK)