← Capital Bancorp Inc
| Annual Trend | FY 2018 | FY 2019 | FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|
| Total interest income | $69.1m |
$83.4m
+20.58%
|
$97.3m
+16.67%
|
$123.2m
+26.73%
|
$150.6m
+22.23%
|
$183.2m
+21.61%
|
$213.3m
+16.43%
|
$260.9m
+22.30%
|
— | |
| Noninterest income | ||||||||||
| Net interest income | $57.9m |
$67.5m
+16.63%
|
$84.1m
+24.52%
|
$116.7m
+38.81%
|
$140.6m
+20.49%
|
$141.5m
+0.65%
|
$154.7m
+9.34%
|
$196.0m
+26.65%
|
$202.6m
+3.38%
|
|
| Salaries and employee benefits | $25.2m | $32.6m | $44.4m | $37.8m | $42.9m | $48.8m | $56.0m | $72.2m | — | |
| Total noninterest expenses | $54.1m | $66.5m | $98.8m | $110.1m | $109.1m | $110.8m | $126.2m | $155.1m | — | |
| Total interest expense | $11.2m | $15.8m | $13.2m | $6.5m | $10.0m | $41.7m | $58.6m | $64.9m | — | |
| Net interest income after provision for credit losses | $55.7m |
$64.7m
+16.10%
|
$72.8m
+12.52%
|
$113.3m
+55.62%
|
$134.0m
+18.21%
|
$132.0m
-1.46%
|
$136.6m
+3.50%
|
$180.8m
+32.35%
|
$202.6m
+12.05%
|
|
| Other income | $414k | $393k | $2.9m | $1.1m | $1.8m | $1.8m | $2.7m | $2.8m | — | |
| Income before income taxes | $17.7m | $22.7m | $35.1m | $53.9m | $54.2m | $46.2m | $41.8m | $74.9m | $73.9m | |
| Income tax expense | $5.0m | $5.8m | $9.3m | $13.9m | $12.4m | $10.4m | $10.9m | $17.8m | $17.5m | |
| Net income | $12.8m |
$16.9m
+32.33%
|
$25.8m
+52.84%
|
$40.0m
+54.82%
|
$41.8m
+4.57%
|
$35.9m
-14.19%
|
$31.0m
-13.66%
|
$57.2m
+84.59%
|
$56.4m
-1.40%
|
|
| Basic earnings per share (in dollars per share) | $1.05 | $1.23 | $1.87 | $2.90 | $2.98 | $2.56 | $2.12 | $3.45 | $3.43 | |
| Diluted earnings per share (in dollars per share) | $1.02 | $1.21 | $1.87 | $2.84 | $2.91 | $2.55 | $2.12 | $3.41 | $3.41 | |
| Basic (in shares) | $12.1m | $13.7m | $13.8m | $13.8m | $14.0m | $14.0m | $14.6m | $16.6m | $16.4m | |
| Diluted (in shares) | $12.5m | $14.0m | $13.8m | $14.1m | $14.4m | $14.1m | $14.6m | $16.8m | $16.5m | |
| Loans, including fees | $67.2m | $81.3m | $95.4m | $120.8m | $144.4m | $174.8m | $202.9m | $245.3m | — | |
| Investment securities available-for-sale | $1.0m | $924k | $1.3m | $2.0m | $3.9m | $4.8m | $5.4m | $7.0m | — | |
| Federal funds sold and other | $857k | $1.1m | $592k | $449k | $2.3m | $3.6m | $4.9m | $8.6m | — | |
| Deposits | $9.8m | $13.7m | $11.5m | $5.8m | $7.6m | $39.6m | $56.2m | $63.8m | — | |
| Borrowed funds | $1.4m | $2.2m | $1.7m | $742k | $2.4m | $2.1m | $2.4m | $1.1m | — | |
| Provision for credit losses | — | — | — | — | $6.6m | $9.6m | $17.7m | $15.0m | — | |
| Provision for credit losses on unfunded commitments | — | — | — | — | $0 | ($101k) | $385k | $188k | — | |
| Loan servicing rights | — | — | — | — | — | $0 | $1.0m | $545k | — | |
| Non-recurring equity and debt investment write-down | — | — | — | — | — | $0 | ($2.6m) | $0 | — | |
| Noninterest loss | $16.1m | $24.5m | $61.1m | $50.6m | $29.4m | $25.0m | $31.4m | $49.2m | — | |
| Occupancy and equipment | $4.3m | $4.4m | $5.2m | $4.3m | $4.9m | $5.7m | $8.2m | $11.4m | $13.0m | |
| Professional fees | $2.1m | $2.9m | $4.9m | $7.0m | $11.0m | $9.3m | $7.8m | $11.0m | — | |
| Data processing | $14.2m | $15.5m | $26.9m | $39.2m | $29.4m | $25.7m | $27.7m | $29.8m | — | |
| Advertising | $1.5m | $2.1m | $2.5m | $4.8m | $6.2m | $6.2m | $6.4m | $6.3m | — | |
| Loan processing | $1.1m | $1.9m | $3.8m | $3.5m | $1.7m | $1.6m | $2.4m | $4.0m | — | |
| Merger-related expenses | — | — | — | — | — | $0 | $3.9m | $3.4m | — | |
| Operational and other card fraud related losses | — | — | — | — | — | — | $3.7m | $3.5m | — | |
| Regulatory assessment expenses | — | — | — | — | — | $1.6m | $1.9m | $3.4m | — | |
| Other operating | $5.8m | $7.1m | $11.0m | $13.0m | $13.2m | $7.0m | $6.2m | $10.3m | — |