Total assets grew roughly 58% to $3.8B while equity expanded to $431.4M, keeping the equity-to-assets ratio near 11%, which suggests a stable capital structure that may support continued expansion if earnings durability improves.
Capital Bancorp, Inc. (CBNK) balance sheet — 14-year assets, liabilities & shareholders' equity history
| Metric | TTM | Dec'25 | Dec'24 | Dec'23 | Dec'22 | Dec'21 | Dec'20 | Dec'19 | Dec'18 | Dec'17 | Dec'16 | Dec'15 | Dec'06 | Dec'05 | Dec'04 |
|---|
| Cash & Short Term Investments | 986.45M | 260.98M | 307.96M | 138.17M | 312.21M | 364.19M | 244.32M | 173.81M | 79.37M | 102.57M | 81.96M | 59.08M | 0 | 0 | 0 |
| Cash & Due from Banks | 15.56M | 30.89M | 205.27M | 53.56M | 59.73M | 179.74M | 144.54M | 112.98M | 32.44M | 48.55M | 33.97M | 19.91M | 0 | 0 | 0 |
| Short Term Investments | 214.49M | 230.08M | 102.68M | 84.61M | 252.48M | 184.46M | 99.79M | 60.83M | 46.93M | 54.03M | 47.98M | 39.18M | 0 | 0 | 0 |
| Total Investments | 3.6B | 3.19B | 2.83B | 2.09B | 1.96B | 1.81B | 1.7B | 1.29B | 1.05B | 957.76M | 851.98M | 710.83M | 1.61M | 3.46M | 2.36M |
| Investments Growth % | 76.18% | 12.85% | 35.2% | 6.43% | 8.66% | 6.32% | 31.93% | 22.23% | 10.09% | 12.42% | 19.86% | 44105.87% | -53.49% | 46.3% | - |
| Long-Term Investments | 13.22B | 2.96B | 2.72B | 2.01B | 1.71B | 1.62B | 1.6B | 1.23B | 1.01B | 903.73M | 804M | 671.66M | 1.61M | 3.46M | 2.36M |
| Accounts Receivables | 0 | 25.83M | 16.66M | 11.49M | 9.49M | 7.9M | 8.13M | 4.77M | 4.46M | 3.87M | 3.21M | 2.8M | 0 | 0 | 0 |
| Goodwill & Intangibles | 39.96M | 39.22M | 36.94M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 16.84K | 0 | 0 | 0 |
| Goodwill | 25.97M | 25.97M | 21.13M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 13.99M | 13.25M | 15.82M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 16.84K | 0 | 0 | 0 |
| PP&E (Net) | 17.53M | 15.07M | 15.53M | 5.07M | 3.39M | 3.28M | 4.46M | 6.09M | 2.98M | 2.6M | 2.24M | 2.57M | 5.78M | 5.2M | 4.61M |
| Other Assets | -3.6B | 290.67M | 89.42M | 53.32M | 73.01M | 46.81M | 12.37M | 10.71M | 7.02M | 8.32M | 9.78M | 4.39M | -10.14M | 449.92M | 358.05M |
| Total Current Assets | 3.37B | 286.81M | 324.62M | 149.66M | 321.7M | 372.09M | 252.46M | 178.57M | 83.92M | 107.97M | 85.17M | 61.89M | 0 | 13.19M | 7.87M |
| Total Non-Current Assets | 75.69M | 3.32B | 2.88B | 2.08B | 1.8B | 1.68B | 1.62B | 1.25B | 1.02B | 918.04M | 820.43M | 681.54M | 0 | 460.91M | 366.41M |
| Total Assets | 3.8B | 3.61B | 3.21B | 2.23B | 2.12B | 2.06B | 1.88B | 1.43B | 1.11B | 1.03B | 905.6M | 743.43M | 564.69M | 474.1M | 374.28M |
| Asset Growth % | 53.12% | 12.45% | 44.05% | 4.83% | 3.33% | 9.52% | 31.45% | 29.19% | 7.7% | 13.3% | 21.81% | 31.65% | 19.11% | 26.67% | - |
| Return on Assets (ROA) | 1.44% | 1.68% | 1.14% | 1.65% | 2% | 2.03% | 1.56% | 1.33% | 1.2% | 0.74% | 1.15% | 1.15% | 0.8% | 0.76% | 0.9% |
| Accounts Payable | 0 | 8.74M | 9.39M | 5.58M | 1.03M | 473K | 1.13M | 1.8M | 1.56M | 1.08M | 776.35K | 611.76K | 0 | 0 | 0 |
| Total Debt | 2.06M | 52.06M | 34.06M | 49.06M | 129.06M | 34.06M | 36.02M | 47.65M | 22.56M | 30.62M | 32.99M | 47.07M | 59.98M | 63.16M | 66.32M |
| Net Debt | -13.5M | 21.17M | -171.21M | -4.5M | 69.33M | -145.68M | -108.52M | -65.33M | -9.88M | -17.92M | -986.52K | 27.16M | 59.98M | 63.16M | 66.32M |
| Long-Term Debt | 2.06M | 52.06M | 34.06M | 49.06M | 119.06M | 24.06M | 26.02M | 47.65M | 17.39M | 17.56M | 21.56M | 26.56M | 52.98M | 51.99M | 41.54M |
| Short-Term Debt | 0 | 0 | 0 | 0 | 10M | 10M | 10M | 0 | 5.16M | 13.06M | 11.42M | 20.51M | 7M | 11.16M | 24.79M |
| Other Liabilities | 3.37B | 902.96M | 46.38M | 20.68M | 11.47M | 25.73M | 28M | 19.41M | 11.13M | 9.29M | 10.17M | 6.27M | -53.23M | 201.19M | 149.18M |
| Total Current Liabilities | 0 | 2.25B | 2.77B | 1.9B | 1.77B | 1.81B | 1.66B | 1.23B | 961.97M | 919.04M | 803.12M | 650.94M | 0 | 192.1M | 157.6M |
| Total Non-Current Liabilities | 3.37B | 955.02M | 80.44M | 69.74M | 130.54M | 49.79M | 54.02M | 67.06M | 28.53M | 26.85M | 31.73M | 32.84M | 0 | 253.38M | 190.89M |
| Total Liabilities | 3.37B | 3.2B | 2.85B | 1.97B | 1.9B | 1.86B | 1.72B | 1.29B | 990.49M | 945.89M | 834.85M | 683.77M | 529.72M | 445.49M | 348.49M |
| Total Equity | 431.45M | 401.98M | 355.14M | 254.86M | 224.01M | 197.9M | 159.31M | 133.33M | 114.56M | 80.12M | 70.75M | 59.66M | 34.97M | 28.61M | 25.79M |
| Equity Growth % | 44.21% | 13.19% | 39.35% | 13.77% | 13.19% | 24.22% | 19.49% | 16.38% | 42.99% | 13.25% | 18.59% | 70.6% | 22.22% | 10.95% | - |
| Equity / Assets (Capital Ratio) | 11.35% | 11.15% | 11.07% | 11.45% | 10.55% | 9.63% | 8.49% | 9.34% | 10.37% | 7.81% | 7.81% | 8.02% | 6.19% | 6.04% | 6.89% |
| Return on Equity (ROE) | 13.08% | 15.1% | 10.15% | 14.98% | 19.82% | 22.38% | 17.65% | 13.63% | 13.12% | 9.42% | 14.48% | 15.83% | 13.15% | 11.85% | 13.08% |
| Book Value per Share | 26.18 | 24.37 | 24.26 | 18.10 | 15.60 | 14.05 | 11.54 | 9.54 | 9.19 | 6.09 | 5.38 | 4.53 | 2.59 | 2.12 | 1.91 |
| Tangible BV per Share | 23.75 | 21.99 | 21.73 | 18.10 | 15.60 | 14.05 | 11.54 | 9.54 | 9.19 | 6.09 | 5.38 | 4.53 | 2.59 | 2.12 | 1.91 |
| Common Stock | 163K | 164K | 167K | 139K | 141K | 140K | 138K | 139K | 137K | 115K | 111.45K | 102.26K | 16.17M | 14.31M | 14.08M |
| Additional Paid-in Capital | 114.56M | 0 | 128.6M | 54.47M | 58.19M | 54.31M | 50.6M | 51.56M | 49.32M | 27.05M | 24.62M | 22.75M | 0 | 32K | 0 |
| Retained Earnings | 325.94M | 286.66M | 237.84M | 213.34M | 182.44M | 144.53M | 106.85M | 81.62M | 65.7M | 53.2M | 46.05M | 36.61M | 19.14M | 14.95M | 11.73M |
| Accumulated OCI | -9.21M | -5.76M | -11.47M | -13.1M | -16.75M | -1.08M | 1.72M | 13K | -595K | -247K | -31.26K | 195.8K | -338K | -689K | -22K |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Quick answers to the most common questions about buying CBNK stock.
As of 2025, Capital Bancorp, Inc. (CBNK) had total assets of $3.61B including $286.8M in current assets.
Capital Bancorp, Inc. (CBNK) carries total debt of $52.1M. Comparing total debt to cash helps evaluate the company's debt burden and net leverage.
Capital Bancorp, Inc. (CBNK) has total shareholders' equity (book value) of $402.0M ($24.37 book value per share). Book value represents the net worth of the company belonging to common stock holders.
Capital Bancorp, Inc. (CBNK) reported a current ratio of 0.13x. A current ratio above 1.0x indicates that the company has more current assets than current liabilities, suggesting sufficient short-term liquidity.
Key Metrics
Top Statement Risk
Efficiency ratio volatility and provisioning swings
Metrics are mathematically derived from official filings.
Asset Base Expansion Outpacing Equity Growth
According to recent SEC filings, CBNK's total assets rose from $2.4B in 2024Q2 to $3.8B in 2026Q3, a roughly 58% increase, while equity grew about 61% to $431.4M, leaving the equity-to-assets ratio near 11% throughout the period.
Balance sheet growth has been broadly proportional to capital accumulation, which suggests the expansion has been funded without meaningful dilution of capital cushions. The reported figures do not isolate organic loan growth from acquisitions, so investors should monitor whether the investment securities base, which reached $3.6B, is absorbing growth that would otherwise be lending-driven.
Deposit Cost Visibility Limited in Data
Based on CBNK's reported figures, total liabilities of $3.4B against $3.8B in assets indicate a deposit-funded model, though the supplied data does not break out deposit mix, interest-bearing share, or cost of funds.
The absence of deposit composition data means the quality of the funding franchise cannot be assessed directly from the figures provided. The loan-to-deposit ratio is reported as unavailable, so any conclusion about core funding sufficiency would require the detailed filing disclosures.
Provisioning Pattern Warrants Closer Review
As reported in financial statements, CBNK's loan loss provisions moved from $8.0M in 2024Q4 to zero in 2026Q1 and 2026Q2 before returning to $4.8M in 2026Q3, a pattern that complicates reading the direction of credit costs.
The quarterly swings in provisioning may reflect reserve release timing, portfolio mix shifts, or changes in economic forecasts, and the supplied data does not allow these to be distinguished. Investors should monitor non-performing loan formation and charge-off trends in the full filing before drawing conclusions about underlying asset quality.
Equity Base Supports Expansion Headroom
Based on reported figures, CBNK's equity of $431.4M against $3.8B in assets implies a leverage-style capital ratio near 11%, and buybacks of up to $8.6M in a single quarter were absorbed without visible erosion of the base.
Regulatory ratios such as CET1 and Tier 1 are not included in the supplied data, so the cushion above minimums cannot be verified. The steady equity growth alongside capital returns suggests retained earnings have been sufficient to support both expansion and distributions, though this should be confirmed against regulatory filings.
Earnings Durability Under Question
Based on reported figures, CBNK's efficiency ratio climbed to 94.9% in 2026Q1 and 92.0% in 2026Q2, and EPS fell 10.1% year-over-year in 2026Q3, suggesting recent earnings may be less durable than the earlier peak implied.
When non-interest expense absorbs nearly all revenue, a modest decline in net interest income or fee income could push earnings materially lower. Investors should monitor whether the efficiency ratio normalizes toward the sub-66% levels seen in 2024 and 2025, as persistence at elevated levels would indicate structural cost pressure rather than timing effects.