Form 8-K

8-K — Capital Bancorp Inc

Accession: 0001419536-26-000109

Filed: 2026-07-27

Period: 2026-07-27

CIK: 0001419536

SIC: 6021 (NATIONAL COMMERCIAL BANKS)

Item: Results of Operations and Financial Condition

Item: Other Events

Item: Financial Statements and Exhibits

Documents

8-K — cbnk-20260727.htm (Primary)

EX-99.1 (earningsrelease6302026.htm)

EX-99.2 (investoroverview6302026.htm)

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8-K

8-K (Primary)

Filename: cbnk-20260727.htm · Sequence: 1

cbnk-20260727

July 27, 2026false000141953600014195362026-07-272026-07-27

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d) OF THE

SECURITIES EXCHANGE ACT OF 1934

Date of Report (Date of earliest event reported): July 27, 2026

CAPITAL BANCORP, INC.

(Exact name of registrant as specified in its charter)

Maryland

001-38671

52-2083046

(State or other jurisdiction of incorporation or organization)

(Commission file number)

(IRS Employer Identification No.)

2275 Research Boulevard, Suite 600, Rockville, Maryland 20850

(Address of principal executive offices) (Zip Code)

(301) 468-8848

Registrant’s telephone number, including area code

Not Applicable

(Former Name or Former Address, if Changed Since Last Report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligations of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of Each Class Trading Symbol Name of Each Exchange on Which Registered

Common Stock, par value $0.01 per share CBNK NASDAQ Stock Market

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02 Results of Operations and Financial Disclosure

On July 27, 2026, Capital Bancorp, Inc. (the “Company”) issued a press release announcing the Company’s unaudited financial results for the three and six months ended June 30, 2026. A copy of the press release is furnished as Exhibit 99.1 to this Current Report on Form 8-K and hereby incorporated by reference. A presentation regarding the Company's financial results for the three and six months ended June 30, 2026 is furnished as Exhibit 99.2 and incorporated herein by reference.

The information furnished under Item 2.02 and Item 9.01 of this Current Report on Form 8-K, including Exhibit 99.1 and Exhibit 99.2 to this Current Report on Form 8-K, shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to liabilities under that Section, nor shall it be deemed incorporated by reference in any registration statement or other filings of the Company under the Securities Act of 1933, as amended, except as shall be set forth by specific reference in such filing.

Item 8.01. Other Events

On July 24, 2026, the Company's Board of Directors declared a $0.14 per share dividend, a 16.7% increase from the prior quarterly dividend. The dividend is payable on August 26, 2026 to stockholders of record on August 10, 2026.

Item 9.01. Financial Statements and Exhibits

(d) Exhibits

99.1

Press Release, dated July 27, 2026.

99.2

Investor Presentation June 2026.

104 Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

CAPITAL BANCORP, INC.

Date: July 27, 2026

By: /s/ Jacob Dalaya

Name: Jacob Dalaya

Title: Chief Financial Officer

EX-99.1

Filename: earningsrelease6302026.htm · Sequence: 2

Document

CBNK Reports 2Q ROA of 1.52% and EPS of $0.87

Delivers Strong Balance Sheet and Revenue Growth, Positive Operating Leverage

Rockville, Maryland, July 27, 2026 (GLOBE NEWSWIRE) – Capital Bancorp, Inc. (the "Company") (NASDAQ: CBNK), the holding company for Capital Bank, N.A. (the "Bank"), today reported:

Quarter Ended

% Change (Annualized)

(in millions, except per share data) 2Q26 1Q26 2Q25 2Q26 vs 1Q26 2Q26 vs 2Q25

Balance Sheet Summary

Gross Loans (1)

$3,086 $3,026 $2,740 7.9% 12.6%

Total Deposits 3,371 3,292 2,941 9.6% 14.6%

Customer Deposits(2)

3,140 2,989 2,671 20.3% 17.6%

Tangible Book Value per share(3)

$23.45 $22.62 $20.64 14.7% 13.6%

GAAP

Core(3)

Quarter Ended Change Quarter Ended Change

(in millions, except per share data) 2Q26 1Q26 2Q25 2Q26 vs 1Q26 2Q26 vs 2Q25 2Q26 1Q26 2Q25 2Q26 vs 1Q26 2Q26 vs 2Q25

Earnings Summary

Net Income $14.3 $12.0 $13.1 18.6% 8.5% $14.3 $12.0 $14.2 18.6% 0.3%

Earnings per share - diluted $0.87 $0.73 $0.78 19.2% 11.5% $0.87 $0.73 $0.85 19.2% 2.4%

ROA 1.52% 1.33% 1.60% 19 bps (8) bps 1.52% 1.33% 1.73% 19 bps (21) bps

ROTCE(3)

15.51% 13.58% 16.10% 193 bps (59) bps 15.51% 13.58% 17.39% 193 bps (188) bps

Including Card Excluding Card

NIM 5.64% 5.71% 6.04% (7) bps (40) bps 4.04% 4.15% 4.42% (11) bps (38) bps

GAAP

Core(3)

Six Months Ended Change Six Months Ended Change

(in millions, except per share data) 2Q26 2Q25 2Q26 vs 2Q25 2Q26 2Q25 2Q26 vs 2Q25

Earnings Summary

Net Income $26.3 $27.1 (3.0)% $26.3 $29.1 (9.7)%

Earnings per share - diluted $1.60 $1.60 —% $1.60 $1.72 (7.0)%

ROA 1.43% 1.68% (25) bps 1.43% 1.80% (37) bps

ROTCE(3)

14.57% 16.82% (225) bps 14.57% 18.07% (350) bps

Including Card Excluding Card

NIM 5.68% 6.04% (36) bps 4.09% 4.39% (30) bps

(1) Gross loans represent portfolio loans receivable, net of deferred fees and costs.

(2) Customer deposits represents total deposits excluding brokered deposits.

(3) As used in this press release, Core net income, Core earnings per share - diluted, Core ROA, Core ROTCE, Tangible Book Value per share are non-GAAP financial measures. These non-GAAP financial metrics exclude the impact of merger-related expenses and certain other pre-tax adjustments which are not indicative of operating performance and the tax impacts of such adjustments. Reconciliations of this and other non–GAAP measures to their comparable GAAP measures are set forth in the Appendix at the end of this press release.

“The Board is very pleased that we were able to deliver another quarter of strong operating performance, highlighted by solid loan and deposit growth, diversified fee income generation, and continued growth in tangible book value per share,” said Steven J. Schwartz, Chairman of the Company. “The increase in non-interest expenses year-over-year reflects our continued investment in strategic initiatives, including our unsecured card platform, the expansion of our targeted C&I verticals, and our customer-facing and back-office technology infrastructure. We believe these investments strengthen our franchise and will continue to reduce our exposure to cyber risks, credit losses at OpenSky™, enhance our customers' experience, and, ultimately, improve our operating efficiency, all while supporting our robust, organic, long-term growth goals.”

Second Quarter 2026 Highlights

•Continued to strengthen the funding base, with total deposits, including brokered deposits, increasing 9.6% (annualized) from 1Q 2026; Excluding a $15.0 million reduction associated with the same single customer relationship noted in 1Q 2026, total deposits grew 11.5% (annualized) while reducing brokered deposits by 23.8%

•Sustained strong customer deposit momentum, with customer deposits increasing 20.3% (annualized) from 1Q 2026, or 27.0% (annualized) excluding the relationship referenced above

•Generated 7.9% (annualized) growth in gross loans from 1Q 2026, driven by broad-based production across the portfolio; Through July 15th(1), loan growth totaled $159.2 million, representing an implied annualized growth rate of 10.0%

•Continued tangible book value compounding, with tangible book value(2) per share increasing 14.7% (annualized) from 1Q 2026

•Delivered diluted earnings per share of $0.87, up 19.2% from 1Q 2026, supported by an 18.6% increase in net income

•Produced 29.6% (annualized) fee income growth, with contributions from nearly every major fee category, led by higher USDA volume, continued production from the new SBA team, significant growth in Windsor revenue and increased mortgage production. Fee revenue represented 22.0% of total revenue

•Continued to execute on strategic growth initiatives while maintaining strong expense discipline, with noninterest expense remaining flat despite ongoing investments in unsecured card, card partnerships, data infrastructure and personnel

•The Company also declared a cash dividend on its common stock of $0.14 per share, a 16.7% increase from the prior quarterly dividend. The dividend is payable on August 26, 2026 to shareholders of record on August 10, 2026.

“We continue to execute on our growth strategy across the franchise, delivering strong customer deposit growth, solid loan production and broad-based fee income expansion" said Ed Barry, CEO of the Company. "The breadth of our performance reflects the strength of our diversified business model and positions us well to continue expanding customer relationships, growing the balance sheet and delivering sustainable long-term growth."

(1) Balances through July 15th are preliminary and unaudited. They have not been subject to customary reconciliations or closing procedures and may not be indicative of final balances at quarter end.

(2) As used in this press release, Core net income, Core earnings per share - diluted, Core ROA, Core ROTCE, Tangible Book Value per share are non-GAAP financial measures. These non-GAAP financial metrics exclude the impact of merger-related expenses and certain other pre-tax adjustments which are not indicative of operating performance and the tax impacts of such adjustments. Reconciliations of this and other non–GAAP measures to their comparable GAAP measures are set forth in the Appendix at the end of this press release.

Consolidated financial performance

Net income of $14.3 million increased $2.2 million compared to 1Q 2026, and earnings per share - diluted of $0.87 increased $0.14 per share from 1Q 2026. Net income increased $1.1 million, or 8.5%, compared to $13.1 million, or $0.78 per diluted share, for 2Q 2025. 2Q 2026 Core net income(1) of $14.3 million, or $0.87 per diluted share, increased $2.2 million, or 18.6%, from 1Q 2026 Core net income of $12.0 million, or $0.73 per diluted share. 2Q 2026 Core net income increased $0.1 million from 2Q 2025 Core net income of $14.2 million. 2Q 2026 Core net income excluding purchase accounting accretion ("PAA") was $14.0 million, an increase of $0.8 million from 2Q 2025 Core net income excluding PAA of $13.2 million.

Quarterly net interest income:

•Net interest income of $50.9 million increased $1.5 million, or 3.1% (not annualized), compared to 1Q 2026, and increased $3.3 million, or 6.9%, year-over-year.

◦Interest income of $70.0 million increased $2.0 million, or 2.9% (not annualized), compared to 1Q 2026, and increased $5.4 million, or 8.3%, year-over-year. The increase from 1Q 2026 was primarily driven by a $0.9 million increase from OpenSky™ due to higher balances and higher yields, $1.0 million from the Commercial Bank driven by $0.5 million from interest bearing cash income, $0.4 million from investment securities, and $0.2 million from loan growth. The increase year-over-year was primarily driven by $3.8 million from the Commercial Bank due to strong organic loan growth, and $1.5 million from OpenSky™ due to strong growth from the unsecured loan product.

▪Interest income included $0.2 million from net PAA in 2Q 2026, compared to $0.3 million in 1Q 2026 and $0.4 million in net PAA in 2Q 2025.

◦Interest expense of $19.0 million increased $0.5 million, or 2.5% (not annualized), compared to 1Q 2026, and increased $2.1 million, or 12.3%, year-over-year. The increase of $0.5 million compared to 1Q 2026, was primarily driven by growth in the deposit portfolio, and a shift in deposit mix to money markets accounts. The increase of $2.1 million year-over-year was driven by $1.0 million from higher balances and a shift in deposit mix, $0.8 million of lower PAA, and $0.3 million of higher borrowing costs.

▪Interest expense included a $0.1 million benefit from net PAA in 2Q 2026, compared to a $0.1 million benefit in 1Q 2026. There was a $0.9 million benefit from net PAA in 2Q 2025.

Quarterly provision:

•The 2Q 2026 provision for credit losses was $3.6 million, an increase of $0.6 million from 1Q 2026. Net charge-offs totaled $3.8 million, or 0.50% of portfolio loans (annualized), up from $3.0 million or 0.40% of portfolio loans (annualized), in 1Q 2026.

◦Net charge-offs in the quarter include $2.9 million from OpenSky™ loans and $0.9 million from Commercial Bank loans. Net charge-offs for the Commercial Bank increased $1.0 million quarter-over-quarter primarily due to a $0.7 million recovery in 1Q 2026. OpenSky™ net charge-offs amounted to $2.9 million in 2Q 2026 compared to $3.1 million in 1Q 2026.

◦At June 30, 2026, the ACL Coverage Ratio was 1.76%, down 5 bps from March 31, 2026.

(1) As used in this press release, Core net income and Core noninterest expense are non-GAAP financial measures. These non-GAAP financial metrics exclude the impact of merger-related expenses and certain other pre-tax adjustments which are not indicative of operating performance and the tax impacts of such adjustments. Reconciliations of this and other non–GAAP measures to their comparable GAAP measures are set forth in the Appendix at the end of this press release.

Consolidated financial performance (Continued)

Quarterly fee revenue:

•Fee Revenue of $14.4 million increased $1.0 million, compared to 1Q 2026 and increased $1.3 million year-over-year. The increase of $1.0 million during 2Q 2026 was the result primarily of a $1.0 million increase in government loan servicing and packaging revenue (Windsor™), a $0.4 million increase in mortgage banking revenue, and a $0.3 million increase in government lending revenue, offset by a $0.3 million decrease in credit card fees and a $0.2 million decrease in loan servicing rights. The year-over-year fee revenue increase of $1.3 million was primarily due to an increase in government loan servicing and packaging revenue (Windsor™). Fee revenue mix(1) was 22.0% of total revenue for 2Q 2026, compared to 21.3% during 1Q 2026, and 21.6% during 2Q 2025.

Quarterly noninterest expense:

•Noninterest expense of $43.2 million decreased $0.5 million compared to 1Q 2026 and increased $3.6 million compared to 2Q 2025. Core noninterest expense(2) of $43.2 million decreased $0.5 million compared to 1Q 2026 and increased $5.0 million compared to 2Q 2025. Core comparisons include:

◦The decrease of $0.5 million quarter-over-quarter was primarily driven by the following:

▪$0.8 million lower professional fees, attributable to a decrease in consulting expenses and lower audit and accounting related fees; partially offset by a $0.4 million increase in occupancy and costs associated with software upgrades.

◦Year-over-year expense growth of $5.0 million was driven by increases in professional fees associated with investments in shared services areas and OpenSky™, expense associated with headcount growth, increased occupancy and equipment costs and an increase in loan processing costs.

Quarterly income taxes:

•Income tax expense of $4.2 million, or 22.8% of pre-tax income for 2Q 2026, increased $0.4 million from $3.9 million, or 24.3% of pre-tax income for 1Q 2026. The effective income tax rate change quarter-over-quarter primarily reflects refinement of the quarterly tax provision following an updated estimate related to the deferred tax liability associated with fixed assets acquired in the IFH acquisition.

Total assets:

Total assets of $3.9 billion at June 30, 2026 increased $81.5 million, or 8.6% (annualized) from March 31, 2026. Total assets growth year-over-year was $501.3 million, or 14.8%. The growth quarter-over-quarter, and year-over-year, was primarily driven by increases in portfolio loans, and cash balances.

Gross Loans:

•Gross Loans of $3.1 billion at June 30, 2026 increased $59.5 million, or 7.9% (annualized), from March 31, 2026 and increased $346.1 million, or 12.6%, year-over-year.

◦Compared to March 31, 2026, growth was primarily driven by $34.8 million from commercial real estate, $10.5 million from credit cards, and $5.0 million from construction real estate.

◦Gross loan growth through July 15th(3) of $159.2 million brings year-to-date loan growth to 10.0% (annualized).

◦C&l loans, plus owner-occupied CRE loans, totaled 37.4% of total portfolio loans at June 30, 2026, 38.3% at March 31, 2026, and 37.6% at June 30, 2025.

(1) Fee revenue mix equals fee revenue divided by the sum of fee revenue and net interest income before provision for credit losses.

(3) Balances through July 15th are preliminary and unaudited. They have not been subject to customary reconciliations or closing procedures and may not be indicative of final balances at quarter end.

Consolidated financial performance (Continued)

Deposits:

•Total deposits of $3.4 billion at June 30, 2026 increased $79.1 million, or 9.6% (annualized), from March 31, 2026, and increased $430.4 million, or 14.6% from June 30, 2025.

◦Excluding a $72.1 million decrease in brokered time deposits, customer deposits increased $151.1 million or 20.3% (annualized), including $114.7 million of growth in customer money market deposits, $49.8 million of growth in interest-bearing demand accounts, $25.7 million of growth in noninterest-bearing deposits, and $1.6 million of growth in savings accounts, partially offset by a decrease of $40.7 million in customer time deposits.

◦The increase in total deposits of $430.4 million year-over-year was driven by $430.5 million in growth from customer money market deposits with offsetting activity across other deposit products.

◦Total deposit growth through July 15th(1) of $165.3 million brings year-to-date deposit growth to 10.0% (annualized).

◦Insured and protected(2) deposits were approximately $2.2 billion as of June 30, 2026 representing 66.6% of the Company's deposit portfolio.

◦Low interest(3) and noninterest-bearing demand deposit account ("DDA") deposits totaled $1.3 billion, or 38.9% of deposits, an increase of $77.1 million, or 25.0% (annualized) from 1Q 2026, and an increase of $142.7 million, or 12.2% year-over-year.

▪The average rate on the low interest and noninterest-bearing deposits was 0.29% for 2Q 2026, which increased 13 bps compared to 1Q 2026 and increased 15 bps year-over-year.

•The average portfolio loans-to-deposit ratio was 94.3% for 2Q 2026, compared to 96.1% for 1Q 2026, and 96.2% for 2Q 2025.

Investment securities:

•The investment securities portfolio continues to be classified as available-for-sale and had a fair market value of $219.9 million, or 5.7% of total assets, and an effective duration of 2.5 years, with U.S. Treasury Securities representing 60% of the overall investment portfolio at June 30, 2026. The accumulated other comprehensive income (loss) on the investment securities portfolio declined $0.1 million during the quarter to $6.3 million after-tax as of June 30, 2026, which represents 1.5% of total stockholders' equity. The Company does not have a held-to-maturity investment securities portfolio.

Liquidity:

•The Company maintains stable and diversified sources of contingent liquidity, generally consistent with prior quarter. Total available borrowing capacity as of June 30, 2026 was $801.6 million, compared to $809.5 million as of March 31, 2026, consisting of $699.4 million of available collateralized borrowing capacity, $96.0 million of unsecured lines of credit with other banks, and $6.2 million of unpledged investment securities available to collateralize potential additional borrowings. Including cash and cash equivalents of $418.3 million, total liquidity was approximately $1.2 billion.

Capital:

•As of June 30, 2026, the Company reported a Common Equity Tier-1 capital ratio of 13.14% and a Tier 1 leverage ratio of 10.59%, compared to 12.92% and 10.48%, respectively, at March 31, 2026. At June 30, 2026, the Company and the Bank maintained regulatory capital ratios that exceed all capital adequacy requirements.

•Shares repurchased and retired during the three months ended June 30, 2026, as part of the Company's stock repurchase program, totaled 1,213 shares at an average price of $30.03, for a total cost of $36 thousand. As of June 30, 2026, there was $12.4 million remaining to be repurchased under the current $15.0 million authorization repurchase program, which will expire on December 31, 2026.

(1) Balances through July 15th are preliminary and unaudited. They have not been subject to customary reconciliations or closing procedures and may not be indicative of final balances at quarter end.

(2) Protected deposits include deposits that are indirectly protected under the product terms.

(3) Low interest deposits include interest-bearing demand and savings accounts.

Financial Metrics

Net Interest Margin:

NIM of 5.64% for 2Q 2026, decreased 7 bps compared to the prior quarter, and decreased 40 bps year-over-year. Core NIM(1) of 4.04% decreased 11 bps (but decreased 9 bps when excluding PAA) compared to the prior quarter, and decreased 38 bps year-over-year. Net PAA for 2Q 2026 was 3 bps for NIM and 4 bps for Core NIM(1). The decrease quarter-over-quarter in Core NIM includes 3 bps from lower deferred origination fees and net PAA and 3 bps from one non-performing loan relationship.

•The average yield on interest earning assets of 7.75% decreased 11 bps compared to the prior quarter and decreased 44 bps year-over-year. The decrease quarter-over-quarter was primarily due to the Commercial Bank loan portfolio. The decrease year-over-year was primarily due to the impact of changes in the rate environment to the Commercial Bank and OpenSky™ portfolios, as well as lower loan PAA for the Commercial Bank.

◦The Core Loan Yield(1) of 6.77% for 2Q 2026 decreased 16 bps compared to 1Q 2026, and decreased 37 bps year-over-year. The decrease quarter-over-quarter includes 5 bps from lower deferred origination fees and loan PAA, and 4 bps from one non-performing loan relationship. The decrease year-over-year was primarily a result of changes in the rate environment offsetting organic portfolio growth.

•The total cost of deposits of 2.29% for 2Q 2026 decreased 5 bps compared to the prior quarter and decreased 7 bps year-over-year. The decrease quarter-over-quarter was primarily due to a shift in product mix, and the decrease year-over-year was primarily due to a shift in product mix as well as changes in the rate environment.

•The total cost of interest-bearing deposits of 3.09% for 2Q 2026 decreased 8 bps quarter-over-quarter, and decreased 20 bps year-over-year. The decrease quarter-over-quarter was primarily due to a shift in product mix, and the decrease year-over-year was primarily due to a shift in product mix as well as changes in the rate environment.

•Net PAA of $0.3 million, or 3 bps of NIM and 4 bps of Core NIM(1), during 2Q 2026, decreased $0.1 million from 1Q 2026 due to a loan that paid off during 1Q 2026. There was $1.3 million from net PAA during 2Q 2025.

Credit Metrics and Asset Quality:

Nonperforming assets were $60.8 million, or 1.56% of total assets, at June 30, 2026, an increase of $1.6 million from March 31, 2026, while remaining unchanged as a percentage of total assets. The increase in nonperforming assets from 1Q 2026 was primarily driven by a $5.3 million net increase in nonaccrual loans from the legacy CBNK portfolio, slightly offset by a $3.7 million net decrease from the acquired IFH portfolio. The legacy CBNK increase reflected $10.6 million of new nonaccruals, primarily attributable to one $9.7 million legacy bank loan relationship, partially offset by $5.3 million of nonaccrual resolutions. The acquired IFH portfolio decrease reflected $4.7 million of nonaccrual loan resolutions, partially offset by $1.0 million of new nonaccruals. Nonperforming assets increased $24.7 million or 49 bps year-over-year, mainly due to the $15.9 million increase during 3Q 2025 from two loan relationships acquired as part of the IFH transaction and the $9.7 million increase during 2Q 2026 related to the legacy bank loan relationship referenced above. At June 30, 2026, substandard loans totaled $70.6 million, or 2.3% of total portfolio loans, compared to $71.8 million, or 2.4% of total portfolio loans, at March 31, 2026 and $44.6 million, or 1.7% of total portfolio loans, at June 30, 2025. The $26.1 million year-over-year increase in substandard loans was primarily driven by $15.9 million from two loan relationships acquired as part of the IFH transaction, and $9.7 million from the legacy bank relationship that is referenced above. At June 30, 2026, special mention loans totaled $61.5 million, or 2.0% of total portfolio loans, compared to $60.3 million, or 2.0% of total portfolio loans, at March 31, 2026, and $54.2 million, or 2.0% of total portfolio loans, at June 30, 2025.

Through July 15, 2026, management did not identify any significant changes in nonperforming assets, special mention loans, or substandard loans from June 30, 2026.

(1) As used in this press release, Core NIM, Core Loan Yield, and Core efficiency ratio are non-GAAP financial measures. These non-GAAP financial metrics exclude the impact of merger-related expenses and certain other pre-tax adjustments which are not indicative of operating performance and the tax impacts of such adjustments. Reconciliations of these and other non–GAAP measures to their comparable GAAP measures are set forth in the Appendix at the end of this press release.

Financial Metrics (continued)

Efficiency Ratio:

The efficiency ratio was 66.1% for 2Q 2026, compared to 69.6% for 1Q 2026 and 65.1% for 2Q 2025. The core efficiency ratio(1) was 66.1% for 2Q 2026, which decreased from 69.6% compared to the prior quarter, and increased from 62.8% for 2Q 2025.

Returns:

ROA was 1.52% for 2Q 2026, compared to 1.33% for 1Q 2026, and 1.60% for 2Q 2025. Core ROA(1) for 2Q 2026 was 1.52%, compared to 1.33% for 1Q 2026, and 1.73% for 2Q 2025.

•ROE was 13.80% for 2Q 2026, compared to 12.03% for 1Q 2026, and 14.17% for 2Q 2025. Core ROE(1) was 13.80% for 2Q 2026, compared to 12.03% for 1Q 2026, and 15.33% for 2Q 2025.

•ROTCE(1) was 15.51% for 2Q 2026, compared to 13.58% for 1Q 2026, and 16.10% for 2Q 2025. Core ROTCE(1) for 2Q 2026 was 15.51%, compared to 13.58% for 1Q 2026, and 17.39% for 2Q 2025.

Book Value:

Book value per common share of $25.92 at June 30, 2026, increased $0.82 when compared to March 31, 2026, and increased $3.00 when compared to June 30, 2025. Tangible book value per common share(1) increased $0.83, or 3.7% (not annualized), to $23.45 at June 30, 2026 when compared to March 31, 2026, and increased $2.81, or 13.6%, when compared to June 30, 2025.

(1) As used in this press release, Core ROA, Core ROE, ROTCE, Core ROTCE, and Tangible Book Value are non-GAAP financial measures. These non-GAAP financial metrics exclude the impact of merger-related expenses and certain other pre-tax adjustments which are not indicative of operating performance and the tax impacts of such adjustments. Reconciliations of these and other non–GAAP measures to their comparable GAAP measures are set forth in the Appendix at the end of this press release.

Reportable Segments

Commercial Bank

Loan Growth – Portfolio loans(1) increased $49.0 million at June 30, 2026 compared to March 31, 2026, driven by $34.8 million from CRE, $5.0 million from construction real estate, $2.2 million from residential real estate, and $1.0 million from C&I. Portfolio loans increased $327.6 million at June 30, 2026 compared to June 30, 2025, driven by $138.3 million from C&I, $87.0 million from residential real estate, and $54.2 million from CRE. [C&I loans grew an additional 2.5% through July 15, 2026(2).] Historical gross portfolio loan balances are disclosed in the Composition of Loans table within the Historical Financial Highlights.

Net Interest Income – Interest income of $53.7 million increased $1.0 million from the prior quarter, $0.5 million from interest bearing cash income, $0.4 million from investment securities, and $0.2 million from loan growth. Interest expense of $18.9 million increased $0.4 million, driven by growth and a mix shift in the deposit portfolio.

Credit Metrics – Nonperforming assets increased 1 bp to 1.65% of total assets at June 30, 2026 compared to March 31, 2026. Total nonaccrual loans at June 30, 2026 were $57.0 million, an increase of $1.6 million or 2.8% compared to $55.4 million at March 31, 2026.

Classified and Criticized Loans – At June 30, 2026, special mention loans totaled $61.5 million, or 2.0% of total portfolio loans, compared to $60.3 million, or 2.0% of total portfolio loans, at March 31, 2026. At June 30, 2026, substandard loans totaled $70.6 million, or 2.3% of total portfolio loans, compared to $71.8 million, or 2.4% of total portfolio loans, at March 31, 2026.

OpenSky™

OpenSky™ results reflected continued loan balance growth, stable account levels, lower operating expenses and credit performance consistent with management expectations. Higher net interest income from loan growth was partially offset by lower fee revenue and a higher provision for credit losses primarily related to portfolio growth.

Accounts – During 2Q 2026, credit card accounts grew to 588.6 thousand, increasing 0.4 thousand, or 0.1% (not annualized) from March 31, 2026, and increasing 3.2 thousand, or 0.6% year-over-year.

Loan and Deposit Balances – Secured and unsecured loan balances, net of reserves for interest and fees, of $145.3 million at June 30, 2026 increased by $10.5 million, or 7.8% (not annualized), compared to March 31, 2026 and increased $14.2 million, or 10.9%, year-over-year. Deposit balances of $166.2 million at June 30, 2026 increased $0.7 million compared to March 31, 2026 and decreased $2.8 million, or 1.6% year-over-year. Gross unsecured loan balances of $51.2 million at June 30, 2026 increased $4.7 million, or 10.0% (not annualized), compared to $46.6 million at March 31, 2026, and increased $18.5 million, or 56.6% (not annualized), year-over-year. Gross secured loan balances of $96.0 million at June 30, 2026 increased $6.0 million, or 6.7% (not annualized), compared to $90.0 million at March 31, 2026, and decreased $4.0 million, or 4.0% (not annualized) year-over-year.

Net Interest Income – Interest income of $16.0 million increased $0.9 million compared to 1Q 2026, supported by higher average OpenSky™ credit card loan balances. Average OpenSky™ credit card loan balances, net of reserves and deferred fees of $137.1 million for 2Q 2026, increased $3.3 million, or 2.5% (not annualized), compared to 1Q 2026.

Fee Revenue – Total fee revenue of $4.4 million decreased $0.3 million from the prior quarter primarily driven by lower credit-card fees from the unsecured product. The decline was partially offset by continued growth in net interest income as loan balances increased.

Noninterest Expense – Total noninterest expense of $15.4 million decreased $0.8 million compared to 1Q 2026, driven by savings from professional fees, lower depreciation of capitalized assets related to OpenSky™ technology, lower data processing costs, and lower marketing spend.

OpenSky™ Credit – Portfolio credit metrics continued to be generally consistent with modeled expectations during 2Q 2026. The provision for credit losses of $4.0 million increased $1.3 million when compared to the prior quarter, primarily due to the growth of $10.5 million in the loan portfolio. Net charge-offs remained generally stable, decreasing $0.2 million to $2.9 million in 2Q 2026 from $3.1 million in 1Q 2026. The majority of OpenSky's™ unsecured loan product is offered to current and former secured card customers, where the Company has historical customer

(1) Portfolio loans represents portfolio loans receivable excluding deferred origination fees, net.

(2) Balances through July 15th are preliminary and unaudited. They have not been subject to customary reconciliations or closing procedures and may not be indicative of final balances at quarter end.

performance data. Unsecured loans have been offered by OpenSky™ since the fourth quarter of 2021 and have generally performed in alignment with management expectations over that time period. OpenSky™ has begun testing limited offers to new customers; however, this activity remains insignificant to the overall unsecured loan portfolio and total accounts, and balances are expected to remain de minimis through year-end as management monitors performance.

Capital Bank Home Loans

Originations of loans held for sale totaled $106.9 million during 2Q 2026 (46.6% growth in volume compared to 1Q 2026 on an unannualized basis), with $87.1 million of mortgage loans sold resulting in a gain on sale of loans of $2.4 million, representing a 2.71% gain on sale as a percentage of total loans sold. Originations of loans held for sale totaled $72.9 million during 1Q 2026, with $52.4 million of mortgage loans sold resulting in a gain on sale of loans of $1.5 million, representing a 2.85% gain on sale as a percentage of total loans sold.

Windsor Advantage™

Gross government loan servicing revenue totaled $6.6 million, including $1.3 million of Capital Bank related servicing fees, during 2Q 2026. Gross government loan servicing revenue totaled $5.6 million, including $1.3 million of Capital Bank related servicing fees, during 1Q 2026. Windsor's™ total servicing portfolio was $3.4 billion at June 30, 2026, and $3.2 billion at March 31, 2026. In 2Q 2026, Windsor processed the closing of $223.6 million of government guaranteed loans, an 84.3% increase from $121.4 million in 1Q 2026 and a 142.7% increase from $92.1 million in 2Q 2025.

COMPARATIVE FINANCIAL HIGHLIGHTS - Unaudited

Quarter Ended 2Q26 vs 1Q26 2Q26 vs 2Q25

(in thousands, except per share data) June 30, 2026 March 31, 2026 June 30, 2025 $ Change % Change $ Change % Change

Earnings Summary

Interest income $ 69,959 $ 67,970 $ 64,586 $ 1,989 2.9 % $ 5,373 8.3 %

Interest expense 19,030 18,572 16,940 458 2.5 % 2,090 12.3 %

Net interest income 50,929 49,398 47,646 1,531 3.1 % 3,283 6.9 %

Provision for credit losses 3,585 3,014 4,081 571 18.9 % (496) (12.2) %

Provision for credit losses on unfunded commitments 65 205 — (140) (68.3) % 65 — %

Noninterest income 14,361 13,373 13,106 988 7.4 % 1,255 9.6 %

Noninterest expense 43,186 43,681 39,572 (495) (1.1) % 3,614 9.1 %

Income before income taxes 18,454 15,871 17,099 2,583 16.3 % 1,355 7.9 %

Income tax expense 4,204 3,853 3,963 351 9.1 % 241 6.1 %

Net income $ 14,250 $ 12,018 $ 13,136 $ 2,232 18.6 % $ 1,114 8.5 %

Pre-tax pre-provision net revenue ("PPNR") (1)

$ 22,104 $ 19,090 $ 21,180 $ 3,014 15.8 % $ 924 4.4 %

Core PPNR(1)

$ 22,104 $ 19,090 $ 22,578 $ 3,014 15.8 % $ (474) (2.1) %

Common Share Data

Earnings per share - Basic $ 0.87 $ 0.74 $ 0.79 $ 0.13 17.6 % $ 0.08 10.1 %

Earnings per share - Diluted $ 0.87 $ 0.73 $ 0.78 $ 0.14 19.2 % $ 0.09 11.5 %

Core earnings per share - Diluted(1)

$ 0.87 $ 0.73 $ 0.85 $ 0.14 19.2 % $ 0.02 2.4 %

Weighted average common shares - Basic 16,288 16,345 16,584

Weighted average common shares - Diluted 16,373 16,441 16,802

Return Ratios

Return on average assets (annualized) 1.52 % 1.33 % 1.60 %

Core return on average assets (annualized)(1)

1.52 % 1.33 % 1.73 %

Return on average equity (annualized) 13.80 % 12.03 % 14.17 %

Core return on average equity (annualized)(1)

13.80 % 12.03 % 15.33 %

Return on average tangible common equity (annualized)(1)

15.51 % 13.58 % 16.10 %

Core return on average tangible common equity (annualized)(1)

15.51 % 13.58 % 17.39 %

_______________

(1)Refer to Appendix for reconciliation of non-GAAP measures.

COMPARATIVE FINANCIAL HIGHLIGHTS - Unaudited (Continued)

Six Months Ended

June 30,

(in thousands, except per share data) 2026 2025 $ Change % Change

Earnings Summary

Interest income $ 137,929 $ 127,346 $ 10,583 8.3 %

Interest expense 37,602 33,653 3,949 11.7 %

Net interest income 100,327 93,693 6,634 7.1 %

Provision for credit losses 6,599 6,327 272 4.3 %

Provision for credit losses on unfunded commitments 270 — 270 — %

Noninterest income 27,734 25,655 2,079 8.1 %

Noninterest expense 86,867 77,625 9,242 11.9 %

Income before income taxes 34,325 35,396 (1,071) (3.0) %

Income tax expense 8,057 8,328 (271) (3.3) %

Net income $ 26,268 $ 27,068 $ (800) (3.0) %

Pre-tax pre-provision net revenue ("PPNR") (1)

$ 41,194 $ 41,723 $ (529) (1.3) %

Core PPNR(1)

$ 41,194 $ 44,387 $ (3,193) (7.2) %

Common Share Data

Earnings per share - Basic $ 1.61 $ 1.63 $ (0.02) (1.2) %

Earnings per share - Diluted $ 1.60 $ 1.60 $ — — %

Core earnings per share - Diluted(1)

$ 1.60 $ 1.72 $ (0.12) (7.0) %

Weighted average common shares - Basic 16,316 16,624

Weighted average common shares - Diluted 16,404 16,872

Return Ratios

Return on average assets (annualized) 1.43 % 1.68 %

Core return on average assets (annualized)(1)

1.43 % 1.80 %

Return on average equity (annualized) 12.93 % 14.85 %

Core return on average equity (annualized) (1)

12.93 % 15.97 %

Return on average tangible common equity (annualized)(1)

14.57 % 16.82 %

Core return on average tangible common equity (annualized)(1)

14.57 % 18.07 %

_______________

(1)Refer to Appendix for reconciliation of non-GAAP measures.

COMPARATIVE FINANCIAL HIGHLIGHTS - Unaudited (Continued)

Quarter Ended Quarter Ended

June 30, March 31, December 31, September 30,

(in thousands, except per share data) 2026 2025 % Change 2026 2025 2025

Balance Sheet Highlights

Assets $ 3,889,938 $ 3,388,662 14.8 % $ 3,808,467 $ 3,606,207 $ 3,389,442

Investment securities available-for-sale 219,947 228,923 (3.9) % 230,525 230,083 232,640

Mortgage loans held for sale 22,370 15,933 40.4 % 13,739 25,828 14,146

Portfolio loans receivable (2)

3,085,950 2,739,808 12.6 % 3,026,431 2,959,457 2,821,983

Allowance for credit losses 54,431 47,447 14.7 % 54,680 54,660 53,045

Goodwill 25,969 22,478 15.5 % 25,969 25,969 25,969

Intangible assets 14,250 15,295 (6.8) % 14,511 14,771 15,033

Deposits 3,371,103 2,940,738 14.6 % 3,292,047 3,093,200 2,912,053

FHLB borrowings 50,000 22,000 127.3 % 50,000 50,000 22,000

Other borrowed funds 2,062 12,062 (82.9) % 2,062 2,062 12,062

Total stockholders' equity 422,205 380,035 11.1 % 408,859 401,757 394,770

Tangible common equity (1)

381,986 342,262 11.6 % 368,379 361,017 353,768

Common shares outstanding 16,289 16,582 (1.8) % 16,286 16,373 16,589

Book value per share $ 25.92 $ 22.92 13.1 % $ 25.10 $ 24.54 $ 23.80

Tangible book value per share (1)

$ 23.45 $ 20.64 13.6 % $ 22.62 $ 22.05 $ 21.33

Dividends per share

$ 0.12 $ 0.10 20.0 % $ 0.12 $ 0.12 $ 0.12

_______________

(1)Refer to Appendix for reconciliation of non-GAAP measures.

(2)Loans are reflected net of deferred fees and costs.

Consolidated Statements of Income (Unaudited)

Three Months Ended

Six Months Ended

(in thousands) June 30, 2026 March 31, 2026 December 31, 2025 September 30, 2025 June 30, 2025 June 30, 2026 June 30, 2025

Interest income

Loans, including fees $ 65,362 $ 64,186 $ 64,933 $ 60,838 $ 60,810 $ 129,548 $ 119,501

Investment securities available-for-sale 1,814 1,459 1,728 1,805 1,582 3,273 3,443

Federal funds sold and other 2,783 2,325 1,973 2,248 2,194 5,108 4,402

Total interest income 69,959 67,970 68,634 64,891 64,586 137,929 127,346

Interest expense

Deposits 18,522 18,070 17,805 12,732 16,722 36,592 33,234

Borrowed funds 508 502 550 139 218 1,010 419

Total interest expense 19,030 18,572 18,355 12,871 16,940 37,602 33,653

Net interest income 50,929 49,398 50,279 52,020 47,646 100,327 93,693

Provision for credit losses 3,585 3,014 3,988 4,650 4,081 6,599 6,327

Provision for (release of) credit losses on unfunded commitments 65 205 (29) 217 — 270 —

Net interest income after provision for credit losses 47,279 46,179 46,320 47,153 43,565 93,458 87,366

Noninterest income

Service charges on deposits 409 403 371 425 262 812 520

Credit card fees 4,395 4,692 4,837 4,509 4,298 9,087 8,020

Mortgage banking revenue 1,960 1,556 1,960 1,927 1,754 3,516 3,585

Government lending revenue 1,207 923 — 14 3,112 2,130 4,208

Government loan servicing revenue 5,303 4,345 4,036 4,265 3,644 9,648 7,212

Loan servicing rights 292 497 295 368 (590) 789 (118)

Other income (loss) 795 957 965 (440) 626 1,752 2,228

Total noninterest income 14,361 13,373 12,464 11,068 13,106 27,734 25,655

Noninterest expenses

Salaries and employee benefits 20,067 20,317 17,914 17,728 18,460 40,384 36,527

Occupancy and equipment 3,942 3,562 2,638 2,849 2,995 7,504 5,905

Professional fees 4,125 4,965 4,294 2,131 2,422 9,090 4,534

Data processing 7,551 7,767 7,502 7,654 7,520 15,318 14,632

Advertising 1,816 1,466 1,398 1,714 1,371 3,282 3,150

Loan processing 1,475 1,383 1,152 1,114 979 2,858 1,722

Merger-related expenses — — — 697 1,398 — 2,664

Operational and other card fraud related losses 690 690 750 923 933 1,380 1,836

Regulatory assessment expenses 925 941 858 740 884 1,866 1,773

Other operating 2,595 2,590 2,597 2,804 2,610 5,185 4,882

Total noninterest expenses 43,186 43,681 39,103 38,354 39,572 86,867 77,625

Income before income taxes 18,454 15,871 19,681 19,867 17,099 34,325 35,396

Income tax expense 4,204 3,853 4,644 4,802 3,963 8,057 8,328

Net income $ 14,250 $ 12,018 $ 15,037 $ 15,065 $ 13,136 $ 26,268 $ 27,068

Consolidated Balance Sheets

(unaudited) (unaudited) (audited) (unaudited) (unaudited)

(in thousands, except share data) June 30, 2026 March 31, 2026 December 31, 2025 September 30, 2025 June 30, 2025

Assets

Cash and due from banks $ 24,771 $ 20,182 $ 30,894 $ 25,724 $ 26,843

Interest-bearing deposits at other financial institutions 393,428 379,069 224,611 163,078 247,704

Federal funds sold 60 60 60 59 59

Total cash and cash equivalents 418,259 399,311 255,565 188,861 274,606

Investment securities available-for-sale 219,947 230,525 230,083 232,640 228,923

Restricted investments 8,707 8,691 8,397 7,057 7,043

Loans held for sale 22,370 13,739 25,828 14,146 15,933

Portfolio loans receivable, net of deferred fees and costs 3,085,950 3,026,431 2,959,457 2,821,983 2,739,808

Less allowance for credit losses (54,431) (54,680) (54,660) (53,045) (47,447)

Total portfolio loans held for investment, net 3,031,519 2,971,751 2,904,797 2,768,938 2,692,361

Premises and equipment, net 17,669 17,732 15,072 15,304 14,863

Accrued interest receivable 19,429 16,795 16,695 19,011 15,149

Goodwill 25,969 25,969 25,969 25,969 22,478

Intangible assets 14,250 14,511 14,771 15,033 15,295

Loan servicing assets 1,847 1,957 1,816 2,070 2,221

Deferred tax asset 16,504 15,187 14,992 14,885 15,667

Bank owned life insurance 46,260 45,871 45,488 45,105 44,721

Other assets 47,208 46,428 46,734 40,423 39,402

Total assets $ 3,889,938 $ 3,808,467 $ 3,606,207 $ 3,389,442 $ 3,388,662

Liabilities

Deposits

Noninterest-bearing $ 897,363 $ 871,677 $ 852,741 $ 857,543 $ 836,979

Interest-bearing 2,473,740 2,420,370 2,240,459 2,054,510 2,103,759

Total deposits 3,371,103 3,292,047 3,093,200 2,912,053 2,940,738

Federal Home Loan Bank advances 50,000 50,000 50,000 22,000 22,000

Other borrowed funds 2,062 2,062 2,062 12,062 12,062

Accrued interest payable 6,606 8,944 8,745 8,045 8,158

Other liabilities 37,962 46,555 50,443 40,512 25,669

Total liabilities 3,467,733 3,399,608 3,204,450 2,994,672 3,008,627

Stockholders' equity

Common stock 163 163 164 166 166

Additional paid-in capital 113,217 112,268 114,604 121,707 121,362

Retained earnings 315,103 302,808 292,749 279,693 266,619

Accumulated other comprehensive loss (6,278) (6,380) (5,760) (6,796) (8,112)

Total stockholders' equity 422,205 408,859 401,757 394,770 380,035

Total liabilities and stockholders' equity $ 3,889,938 $ 3,808,467 $ 3,606,207 $ 3,389,442 $ 3,388,662

The following tables show the average outstanding balance of each principal category of our assets, liabilities and stockholders’ equity, together with the average yields on our assets and the average costs of our liabilities for the periods indicated. Such yields and costs are calculated by dividing the annualized income or expense by the average daily balances of the corresponding assets or liabilities for the same period.

Three Months Ended

June 30, 2026 Three Months Ended

March 31, 2026 Three Months Ended

June 30, 2025

Average

Outstanding

Balance Interest Income/

Expense

Average

Yield/

Rate(1)

Average

Outstanding

Balance Interest Income/

Expense

Average

Yield/

Rate(1)

Average

Outstanding

Balance Interest Income/

Expense

Average

Yield/

Rate(1)

(in thousands)

Assets

Interest earning assets:

Interest-bearing deposits $ 295,167 $ 2,646 3.60 % $ 246,346 $ 2,200 3.62 % $ 182,192 $ 2,065 4.55 %

Federal funds sold 60 — — 60 1 6.76 59 — —

Investment securities available-for-sale 240,102 1,814 3.03 233,165 1,459 2.54 230,317 1,582 2.76

Restricted investments 8,701 137 6.32 8,441 124 5.96 7,038 129 7.35

Loans held for sale 17,381 252 5.82 12,916 177 5.56 9,950 163 6.57

Portfolio loans receivable(2)(3)

3,058,476 65,110 8.54 3,008,187 64,009 8.63 2,733,865 60,647 8.90

Total interest earning assets 3,619,887 69,959 7.75 3,509,115 67,970 7.86 3,163,421 64,586 8.19

Noninterest earning assets 141,624 142,697 129,112

Total assets

$ 3,761,511 $ 3,651,812 $ 3,292,533

Liabilities and Stockholders’ Equity

Interest-bearing liabilities:

Interest-bearing demand accounts $ 346,671 816 0.94 $ 263,645 414 0.64 $ 281,878 391 0.56

Savings 17,790 70 1.58 13,701 30 0.89 13,043 16 0.49

Money market accounts 1,315,061 10,797 3.29 1,189,642 9,479 3.23 924,784 8,022 3.48

Time deposits 722,144 6,839 3.80 842,137 8,147 3.92 816,809 8,293 4.07

Borrowed funds 52,062 508 3.91 52,062 502 3.91 34,062 218 2.57

Total interest-bearing liabilities 2,453,728 19,030 3.11 2,361,187 18,572 3.19 2,070,576 16,940 3.28

Noninterest-bearing liabilities:

Noninterest-bearing liabilities 51,427 64,056 45,523

Noninterest-bearing deposits 842,312 821,267 804,639

Stockholders’ equity

414,044 405,302 371,795

Total liabilities and stockholders’ equity $ 3,761,511 $ 3,651,812 $ 3,292,533

Net interest spread 4.64 % 4.67 % 4.91 %

Net interest income $ 50,929 $ 49,398 $ 47,646

Net interest margin(4)

5.64 % 5.71 % 6.04 %

_______________

(1)Annualized.

(2)Includes nonaccrual loans.

(3)For the three months ended June 30, 2026, March 31, 2026, and June 30, 2025, Core Loan Yield was 6.77%, 6.93% and 7.14%, respectively.

(4)For the three months ended June 30, 2026, March 31, 2026, and June 30, 2025, Core Net Interest Margin was 4.04%, 4.15% and 4.42%, respectively.

Six Months Ended June 30,

2026 2025

Average

Outstanding

Balance Interest Income/

Expense Average

Yield/

Rate Average

Outstanding

Balance Interest Income/

Expense

Average

Yield/

Rate(1)

(in thousands)

Assets

Interest earning assets:

Interest-bearing deposits $ 270,892 $ 4,846 3.61 % $ 192,565 $ 4,203 4.40 %

Federal funds sold 60 1 3.36 59 1 3.42

Investment securities available-for-sale 236,653 3,273 2.79 232,947 3,443 2.98

Restricted investments 8,572 261 6.14 6,403 198 6.24

Loans held for sale 15,161 429 5.71 9,654 401 8.38

Portfolio loans receivable(1)(2)

3,033,470 129,119 8.58 2,684,263 119,100 8.95

Total interest earning assets 3,564,808 137,929 7.80 3,125,891 127,346 8.22

Noninterest earning assets 142,157 131,552

Total assets $ 3,706,965 $ 3,257,443

Liabilities and Stockholders’ Equity

Interest-bearing liabilities:

Interest-bearing demand accounts $ 305,388 $ 1,230 0.81 % $ 262,226 $ 759 0.58 %

Savings 15,757 100 1.28 13,123 34 0.52

Money market accounts 1,252,698 20,276 3.26 897,532 15,421 3.46

Time deposits 781,809 14,986 3.87 838,151 17,020 4.09

Borrowed funds 52,062 1,010 3.91 34,062 419 2.48

Total interest-bearing liabilities 2,407,714 37,602 3.15 2,045,094 33,653 3.32

Noninterest-bearing liabilities:

Noninterest-bearing liabilities 57,707 50,982

Noninterest-bearing deposits 831,847 793,888

Stockholders’ equity 409,697 367,479

Total liabilities and stockholders’ equity $ 3,706,965 $ 3,257,443

Net interest spread 4.65 % 4.90 %

Net interest income $ 100,327 $ 93,693

Net interest margin(3)

5.68 % 6.04 %

_______________

(1)Includes nonaccrual loans.

(2)For the six months ended June 30, 2026 and 2025, collectively. Core Loan Yield was 6.85% and 7.14%, respectively.

(3)For the six months ended June 30, 2026 and 2025, collectively. Core Net Interest Margin was 4.09% and 4.39%, respectively.

The Company’s reportable segments represent business units with discrete financial information whose results are regularly reviewed by management. The four segments include Commercial Banking, OpenSky™ (the Company’s credit card division), Windsor Advantage™ and Capital Bank Home Loans (the Company’s mortgage loan division).

The following schedules reported internally for performance assessment by the chief operating decision maker presents financial information for each reportable segment for the periods indicated. Total assets are presented as of June 30, 2026, March 31, 2026, and June 30, 2025.

Segments

For the three months ended June 30, 2026

(in thousands) Commercial Bank

OpenSky™

Windsor Advantage™

CBHL Consolidated

Interest income $ 53,712 $ 15,995 $ — $ 252 $ 69,959

Interest expense 18,894 — — 136 19,030

Net interest income 34,818 15,995 — 116 50,929

Provision for (release of) credit losses (432) 4,017 — — 3,585

Provision for credit losses on unfunded commitments 65 — — — 65

Net interest income after provision 35,185 11,978 — 116 47,279

Noninterest income

Service charges on deposits 409 — — — 409

Credit card fees — 4,395 — — 4,395

Mortgage banking revenue 278 — — 1,682 1,960

Government lending revenue 1,207 — — — 1,207

Government loan servicing revenue(1)

(1,256) — 6,559 — 5,303

Loan servicing rights 292 — — — 292

Other income 618 30 — 147 795

Total noninterest income 1,548 4,425 6,559 1,829 14,361

Noninterest expenses

Salaries and employee benefits

12,048 3,792 2,625 1,602 20,067

Occupancy and equipment 2,315 1,047 391 189 3,942

Professional fees 2,233 1,228 271 393 4,125

Data processing 452 6,983 67 49 7,551

Advertising 765 598 297 156 1,816

Loan processing 927 271 9 268 1,475

Merger-related expenses — — — — —

Operational and other card fraud related losses 72 618 — — 690

Regulatory assessment expenses 583 214 64 64 925

Other operating 1,277 639 558 121 2,595

Total noninterest expenses 20,672 15,390 4,282 2,842 43,186

Net income (loss) before taxes $ 16,061 $ 1,013 $ 2,277 $ (897) $ 18,454

Total assets $ 3,689,273 $ 143,716 $ 27,818 $ 29,131 $ 3,889,938

_______________

(1)Gross government loan servicing revenue totaled $6.6 million, including $1.3 million of servicing fees earned from the Commercial Bank by WindsorTM, for the three months ended June 30, 2026.

Segments

For the three months ended March 31, 2026

(in thousands) Commercial Bank

OpenSky™

Windsor Advantage™

CBHL Consolidated

Interest income $ 52,732 $ 15,061 $ — $ 177 $ 67,970

Interest expense 18,472 — — 100 18,572

Net interest income 34,260 15,061 — 77 49,398

Provision for credit losses 344 2,670 — — 3,014

Provision for credit losses on unfunded commitments 205 — — — 205

Net interest income after provision 33,711 12,391 — 77 46,179

Noninterest income

Service charges on deposits 403 — — — 403

Credit card fees — 4,692 — — 4,692

Mortgage banking revenue 416 — — 1,140 1,556

Government lending revenue 923 — — — 923

Government loan servicing revenue(1)

(1,262) — 5,607 — 4,345

Loan servicing rights 497 — — — 497

Other income 707 12 — 238 957

Total noninterest income 1,684 4,704 5,607 1,378 13,373

Noninterest expenses

Salaries and employee benefits

12,090 3,887 2,664 1,676 20,317

Occupancy and equipment 1,870 1,118 392 182 3,562

Professional fees 2,468 1,861 278 358 4,965

Data processing 545 7,107 59 56 7,767

Advertising 718 592 60 96 1,466

Loan processing 1,076 47 22 238 1,383

Merger-related expenses — — — — —

Operational and other card fraud related losses 65 625 — — 690

Regulatory assessment expenses 598 215 66 62 941

Other operating 1,140 715 605 130 2,590

Total noninterest expenses 20,570 16,167 4,146 2,798 43,681

Net income (loss) before taxes $ 14,825 $ 928 $ 1,461 $ (1,343) $ 15,871

Total assets $ 3,624,207 $ 135,414 $ 28,535 $ 20,311 $ 3,808,467

_______________

(1) Gross government loan servicing revenue totaled $5.6 million, including $1.3 million of servicing fees earned from the Commercial Bank by WindsorTM, for the three months ended March 31, 2026.

Segments

For the three months ended June 30, 2025

(in thousands) Commercial Bank

OpenSky™

Windsor Advantage™

CBHL Consolidated

Interest income $ 49,929 $ 14,494 $ — $ 163 $ 64,586

Interest expense 16,856 — — 84 16,940

Net interest income 33,073 14,494 — 79 47,646

Provision for credit losses 1,159 2,922 — — 4,081

Provision for credit losses on unfunded commitments — — — — —

Net interest income after provision 31,914 11,572 — 79 43,565

Noninterest income

Service charges on deposits 262 — — — 262

Credit card fees — 4,298 — — 4,298

Mortgage banking revenue 465 — — 1,289 1,754

Government lending revenue 3,112 — — — 3,112

Government loan servicing revenue(1)

(1,052) — 4,696 — 3,644

Loan servicing rights(2)

(590) — — — (590)

Other income 349 25 — 252 626

Total noninterest income 2,546 4,323 4,696 1,541 13,106

Noninterest expenses

Salaries and employee benefits

11,090 3,403 2,509 1,458 18,460

Occupancy and equipment 1,903 573 368 151 2,995

Professional fees 1,572 552 71 227 2,422

Data processing 454 6,897 133 36 7,520

Advertising 795 470 35 71 1,371

Loan processing 650 24 54 251 979

Merger-related expenses 1,398 — — — 1,398

Operational and other card fraud related losses 100 833 — — 933

Regulatory assessment expenses 860 15 6 3 884

Other operating 1,817 338 354 101 2,610

Total noninterest expenses 20,639 13,105 3,530 2,298 39,572

Net income (loss) before taxes $ 13,821 $ 2,790 $ 1,166 $ (678) $ 17,099

Total assets $ 3,211,421 $ 129,397 $ 25,936 $ 21,908 $ 3,388,662

_______________

(1) Gross government loan servicing revenue totaled $4.7 million, including $1.1 million of servicing fees earned from the Commercial Bank by WindsorTM, for the three months ended June 30, 2025.

(2) Loan servicing rights of negative $0.6 million for the Commercial Bank includes a $1.1 million negative fair value adjustment associated with loan servicing portfolio.

Segments

For the six months ended June 30, 2026

(in thousands) Commercial Bank

OpenSky™

Windsor Advantage™

CBHL Consolidated

Interest income $ 106,444 $ 31,056 $ — $ 429 $ 137,929

Interest expense 37,366 — — 236 37,602

Net interest income 69,078 31,056 — 193 100,327

Provision for (release of) credit losses (88) 6,687 — — 6,599

Provision for credit losses on unfunded commitments 270 — — — 270

Net interest income after provision 68,896 24,369 — 193 93,458

Noninterest income

Service charges on deposits 812 — — — 812

Credit card fees — 9,087 — — 9,087

Mortgage banking revenue 694 — — 2,822 3,516

Government lending revenue 2,130 — — — 2,130

Government loan servicing revenue(1)

(2,518) — 12,166 — 9,648

Loan servicing rights (government guaranteed) 789 — — — 789

Other income 1,325 42 — 385 1,752

Total noninterest income 3,232 9,129 12,166 3,207 27,734

Noninterest expenses

Salaries and employee benefits

24,138 7,679 5,289 3,278 40,384

Occupancy and equipment 4,185 2,165 783 371 7,504

Professional fees 4,701 3,089 549 751 9,090

Data processing 997 14,090 126 105 15,318

Advertising 1,483 1,190 357 252 3,282

Loan processing 2,003 318 31 506 2,858

Merger-related expenses — — — — —

Operational and other card fraud related losses 137 1,243 — — 1,380

Regulatory assessment expenses 1,181 429 130 126 1,866

Other operating 2,417 1,354 1,163 251 5,185

Total noninterest expenses 41,242 31,557 8,428 5,640 86,867

Net income (loss) before taxes $ 30,886 $ 1,941 $ 3,738 $ (2,240) $ 34,325

Total assets $ 3,689,273 $ 143,716 $ 27,818 $ 29,131 $ 3,889,938

_______________

(1) Gross government loan servicing revenue totaled $12.2 million, including $2.5 million of servicing fees earned from the Commercial Bank by WindsorTM, for the six months ended June 30, 2026.

Segments

For the six months ended June 30, 2025

(in thousands) Commercial Bank

OpenSky™

Windsor Advantage™

CBHL Consolidated

Interest income $ 98,093 $ 28,938 $ — $ 315 $ 127,346

Interest expense 33,505 — — 148 33,653

Net interest income 64,588 28,938 — 167 93,693

Provision for credit losses 1,605 4,722 — — 6,327

Provision for credit losses on unfunded commitments — — — — —

Net interest income after provision 62,983 24,216 — 167 87,366

Noninterest income

Service charges on deposits 520 — — — 520

Credit card fees — 8,020 — — 8,020

Mortgage banking revenue 728 — — 2,857 3,585

Government lending revenue 4,208 — — — 4,208

Government loan servicing revenue(1)

(2,090) — 9,302 — 7,212

Loan servicing rights (government guaranteed) (118) — — — (118)

Other income 1,772 36 — 420 2,228

Total noninterest income 5,020 8,056 9,302 3,277 25,655

Noninterest expenses

Salaries and employee benefits

21,716 6,748 4,915 3,148 36,527

Occupancy and equipment 3,480 1,061 1,079 285 5,905

Professional fees 2,723 1,143 191 477 4,534

Data processing 894 13,479 186 73 14,632

Advertising 1,513 1,344 139 154 3,150

Loan processing 1,127 43 61 491 1,722

Merger-related expenses 2,664 — — — 2,664

Operational and other card fraud related losses 131 1,705 — — 1,836

Regulatory assessment expenses 1,725 30 11 7 1,773

Other operating 3,226 854 608 194 4,882

Total noninterest expenses 39,199 26,407 7,190 4,829 77,625

Net income (loss) before taxes $ 28,804 $ 5,865 $ 2,112 $ (1,385) $ 35,396

Total assets $ 3,211,421 $ 129,397 $ 25,936 $ 21,908 $ 3,388,662

_______________

(1) Gross government loan servicing revenue totaled $9.3 million, including $2.1 million of servicing fees earned from the Commercial Bank by WindsorTM, for the six months ended June 30, 2025.

HISTORICAL FINANCIAL HIGHLIGHTS - Unaudited

Quarter Ended

(in thousands, except per share data) June 30,

2026 March 31, 2026 December 31,

2025 September 30,

2025 June 30,

2025

Earnings:

Net income $ 14,250 $ 12,018 $ 15,037 $ 15,065 $ 13,136

Earnings per common share, diluted 0.87 0.73 0.91 0.89 0.78

Net interest margin 5.64 % 5.71 % 5.94 % 6.36 % 6.04 %

Core net interest margin(2)

4.04 % 4.15 % 4.19 % 4.66 % 4.42 %

Return on average assets(1)

1.52 % 1.33 % 1.71 % 1.77 % 1.60 %

Return on average equity(1)

13.80 % 12.03 % 15.23 % 15.57 % 14.17 %

Efficiency ratio 66.14 % 69.59 % 62.32 % 60.79 % 65.14 %

Balance Sheet:

Total portfolio loans receivable, net deferred fees $ 3,085,950 $ 3,026,431 $ 2,959,457 $ 2,821,983 $ 2,739,808

Total deposits 3,371,103 3,292,047 3,093,200 2,912,053 2,940,738

Total assets 3,889,938 3,808,467 3,606,207 3,389,442 3,388,662

Total stockholders' equity 422,205 408,859 401,757 394,770 380,035

Total average portfolio loans receivable, net deferred fees 3,058,476 3,008,187 2,902,033 2,789,815 2,733,865

Total average deposits 3,243,978 3,130,392 2,992,784 2,917,067 2,841,153

Portfolio loans-to-deposit ratio (period-end balances) 91.54 % 91.93 % 95.68 % 96.91 % 93.17 %

Portfolio loans-to-deposit ratio (average balances) 94.28 % 96.10 % 96.97 % 95.64 % 96.22 %

Asset Quality Ratios:

Nonperforming assets to total assets 1.56 % 1.56 % 1.62 % 1.54 % 1.07 %

Nonperforming loans to total loans 1.85 % 1.83 % 1.84 % 1.85 % 1.32 %

Net charge-offs to average portfolio loans (1)

0.50 % 0.40 % 0.32 % 0.35 % 0.75 %

Allowance for credit losses to total loans 1.76 % 1.81 % 1.85 % 1.88 % 1.73 %

Allowance for credit losses to non-performing loans 95.51 % 98.67 % 100.44 % 101.53 % 131.19 %

Bank Capital Ratios:

Total risk based capital ratio(3)

12.60 % 12.52 % 12.60 % 12.95 % 13.13 %

Tier-1 risk based capital ratio(3)

11.34 % 11.26 % 11.34 % 11.69 % 11.87 %

Leverage ratio(3)

8.97 % 9.00 % 9.24 % 9.34 % 9.39 %

Common Equity Tier-1 capital ratio(3)

11.34 % 11.26 % 11.34 % 11.69 % 11.87 %

Tangible common equity(3)

8.47 % 8.40 % 8.75 % 9.06 % 8.84 %

Holding Company Capital Ratios:

Total risk based capital ratio(3)

14.47 % 14.25 % 14.31 % 15.25 % 15.30 %

Tier-1 risk based capital ratio(3)

13.21 % 12.99 % 13.05 % 13.62 % 13.66 %

Leverage ratio(3)

10.59 % 10.48 % 10.71 % 10.98 % 10.90 %

Common Equity Tier-1 capital ratio(3)

13.14 % 12.92 % 12.98 % 13.54 % 13.58 %

Tangible common equity(3)

9.86 % 9.73 % 10.07 % 10.60 % 10.22 %

_______________

(1)Annualized.

(2)Refer to Appendix for reconciliation of non-GAAP measures.

(3)Estimated ratio at June 30, 2026.

HISTORICAL FINANCIAL HIGHLIGHTS - Unaudited (Continued)

Quarter Ended

(in thousands, except per share data) June 30,

2026 March 31, 2026 December 31,

2025 September 30,

2025 June 30,

2025

Composition of Loans:

Commercial real estate, non owner-occupied $ 561,805 $ 522,498 $ 533,141 $ 509,878 $ 495,341

Commercial real estate, owner-occupied 424,109 428,632 418,701 442,827 436,421

Residential real estate 797,745 795,505 765,808 740,060 710,730

Construction real estate 370,710 365,706 359,566 344,290 343,189

Commercial and industrial 731,575 730,576 698,289 619,148 593,279

Lender finance 50,020 43,775 41,421 31,883 32,494

Business equity lines of credit 4,930 4,170 3,818 2,931 2,853

Credit card, net of reserve(4)

145,266 134,789 142,397 136,483 131,029

Other consumer loans 3,772 4,779 1,930 2,010 2,727

Portfolio loans receivable $ 3,089,932 $ 3,030,430 $ 2,965,071 $ 2,829,510 $ 2,748,063

Deferred origination fees, net (3,982) (3,999) (5,614) (7,527) (8,255)

Portfolio loans receivable, net $ 3,085,950 $ 3,026,431 $ 2,959,457 $ 2,821,983 $ 2,739,808

Composition of Deposits:

Noninterest-bearing $ 897,363 $ 871,677 $ 852,741 $ 857,543 $ 836,979

Interest-bearing demand 391,544 341,723 257,233 275,767 319,431

Savings 23,077 21,471 11,679 12,835 12,879

Money markets 1,390,778 1,276,034 1,105,183 989,159 960,237

Customer time deposits 437,358 478,085 489,687 539,207 541,079

Brokered time deposits 230,983 303,057 376,677 237,542 270,133

Total deposits $ 3,371,103 $ 3,292,047 $ 3,093,200 $ 2,912,053 $ 2,940,738

Capital Bank Home Loan Metrics:

Origination of loans held for sale $ 106,885 $ 72,933 $ 107,283 $ 80,651 $ 80,334

Mortgage loans sold 87,059 52,423 82,998 66,409 59,663

Gain on sale of loans 2,362 1,496 2,145 1,698 1,597

Purchase volume as a % of originations 86.14 % 73.15 % 72.77 % 92.32 % 91.61 %

Gain on sale as a % of loans sold(5)

2.71 % 2.85 % 2.58 % 2.56 % 2.68 %

Mortgage commissions $ 947 $ 594 $ 899 $ 656 $ 501

OpenSky™ Portfolio Metrics:

Open customer accounts 588,594 588,190 585,492 587,641 585,372

Secured credit card loans, gross $ 96,026 $ 90,021 $ 97,313 $ 98,793 $ 100,037

Unsecured credit card loans, gross 51,234 46,574 47,131 39,576 32,715

Noninterest secured credit card deposits 166,174 165,506 163,184 166,874 168,936

_______________

(4)Credit card loans are presented net of reserve for interest and fees.

(5)Gain on sale percentage is calculated as gain on sale of loans divided by mortgage loans sold.

Appendix

Reconciliation of Non-GAAP Measures

The Company has presented the following non-GAAP (U.S. Generally Accepted Accounting Principles) financial measures because it believes that these measures provide useful and comparative information to assess trends in the Company’s results of operations and financial condition. Presentation of these non-GAAP financial measures is consistent with how the Company evaluates its performance internally and these non-GAAP financial measures are frequently used by securities analysts, investors and other interested parties in the evaluation of companies in the Company’s industry. Investors should recognize that the Company’s presentation of these non-GAAP financial measures might not be comparable to similarly-titled measures of other companies. These non-GAAP financial measures should not be considered a substitute for GAAP basis measures and the Company strongly encourages a review of its condensed consolidated financial statements in their entirety.

Appendix

Reconciliation of Non-GAAP Measures

Core Earnings Metrics Quarter Ended

(in thousands, except per share data) June 30, 2026 March 31, 2026 December 31, 2025 September 30, 2025 June 30, 2025

Net Income $ 14,250 $ 12,018 $ 15,037 $ 15,065 $ 13,136

Deduct: Income from the Call of Brokered Time Deposits, Net of Tax — — — (3,489) —

Add: Merger-Related Expenses, Net of Tax — — — 575 1,070

Core Net Income $ 14,250 $ 12,018 $ 15,037 $ 12,151 $ 14,206

Weighted Average Common Shares - Diluted 16,373 16,441 16,493 16,844 16,802

Earnings per Share - Diluted $ 0.87 $ 0.73 $ 0.91 $ 0.89 $ 0.78

Core Earnings per Share - Diluted $ 0.87 $ 0.73 $ 0.91 $ 0.72 $ 0.85

Average Assets $ 3,761,511 $ 3,651,812 $ 3,498,540 $ 3,378,296 $ 3,292,533

Return on Average Assets(1)

1.52 % 1.33 % 1.71 % 1.77 % 1.60 %

Core Return on Average Assets(1)

1.52 % 1.33 % 1.71 % 1.43 % 1.73 %

Average Equity $ 414,044 $ 405,302 $ 391,750 $ 383,922 $ 371,795

Return on Average Equity(1)

13.80 % 12.03 % 15.23 % 15.57 % 14.17 %

Core Return on Average Equity(1)

13.80 % 12.03 % 15.23 % 12.56 % 15.33 %

Net Interest Income $ 50,929 $ 49,398 $ 50,279 $ 52,020 $ 47,646

Noninterest Income 14,361 13,373 12,464 11,068 13,106

Total Revenue $ 65,290 $ 62,771 $ 62,743 $ 63,088 $ 60,752

Noninterest Expense 43,186 43,681 39,103 38,354 39,572

Efficiency Ratio(2)

66.1 % 69.6 % 62.3 % 60.8 % 65.1 %

Net Interest Income $ 50,929 $ 49,398 $ 50,279 $ 52,020 $ 47,646

Deduct: Income from the Call of Brokered Time Deposits — — — 4,618 —

Core Net Interest Income (a) $ 50,929 $ 49,398 $ 50,279 $ 47,402 $ 47,646

Noninterest Income (b) 14,361 13,373 12,464 11,068 13,106

Core Revenue (a) + (b) $ 65,290 $ 62,771 $ 62,743 $ 58,470 $ 60,752

Noninterest Expense $ 43,186 $ 43,681 $ 39,103 $ 38,354 $ 39,572

Less: Merger-Related Expenses — — — 697 1,398

Core Noninterest Expense $ 43,186 $ 43,681 $ 39,103 $ 37,657 $ 38,174

Core Efficiency Ratio(2)

66.1 % 69.6 % 62.3 % 64.4 % 62.8 %

_______________

(1)Annualized.

(2)The efficiency ratio is calculated by dividing noninterest expense by total revenue (net interest income plus noninterest income).

Appendix

Reconciliation of Non-GAAP Measures

Core Earnings Metrics Six Months Ended

(in thousands, except per share data) June 30, 2026 June 30, 2025

Net Income $ 26,268 $ 27,068

Add: Merger-Related Expenses, Net of Tax — 2,034

Core Net Income $ 26,268 $ 29,102

Weighted Average Common Shares - Diluted 16,404 16,872

Earnings per Share - Diluted $ 1.60 $ 1.60

Core Earnings per Share - Diluted $ 1.60 $ 1.72

Average Assets $ 3,706,965 $ 3,257,443

Return on Average Assets(1)

1.43 % 1.68 %

Core Return on Average Assets(1)

1.43 % 1.80 %

Average Equity $ 409,697 $ 367,479

Return on Average Equity(1)

12.93 % 14.85 %

Core Return on Average Equity(1)

12.93 % 15.97 %

Net Interest Income $ 100,327 $ 93,693

Noninterest Income 27,734 25,655

Total Revenue $ 128,061 $ 119,348

Noninterest Expense 86,867 77,625

Efficiency Ratio(2)

67.8 % 65.0 %

Net Interest Income (a) $ 100,327 $ 93,693

Noninterest Income (b) 27,734 25,655

Core Revenue (a) + (b) $ 128,061 $ 119,348

Noninterest Expense $ 86,867 $ 77,625

Less: Merger-Related Expenses — 2,664

Core Noninterest Expense $ 86,867 $ 74,961

Core Efficiency Ratio(2)

67.8 % 62.8 %

_______________

(1)Annualized.

(2)The efficiency ratio is calculated by dividing noninterest expense by total revenue (net interest income plus noninterest income).

Appendix

Reconciliation of Non-GAAP Measures

Core Net Interest Margin Quarter Ended

(in thousands) June 30, 2026 March 31, 2026 December 31, 2025 September 30, 2025 June 30, 2025

Net Interest Income $ 50,929 $ 49,398 $ 50,279 $ 52,020 $ 47,646

Less: Credit Card Loan Income 15,808 14,882 16,196 15,386 14,116

Net Interest Income Excluding Credit Card 35,121 34,516 34,083 36,634 33,530

Average Interest Earning Assets 3,619,887 3,509,115 3,360,576 3,246,653 3,163,421

Less: Average Credit Card Loans 137,052 133,712 133,858 129,100 121,414

Average Core Interest Earning Assets $ 3,482,835 $ 3,375,403 $ 3,226,718 $ 3,117,553 $ 3,042,007

Core Net Interest Margin 4.04% 4.15% 4.19% 4.66% 4.42%

Core Net Interest Margin Six Months Ended

(in thousands) June 30, 2026 June 30, 2025

Net Interest Income $ 100,327 $ 93,693

Less: Credit Card Loan Income 30,690 28,264

Core Net Interest Income 69,637 65,429

Average Interest Earning Assets 3,564,808 3,125,891

Less: Average Credit Card Loans 135,391 120,076

Average Core Interest Earning Assets $ 3,429,417 $ 3,005,815

Core Net Interest Margin 4.09% 4.39%

Core Loan Yield Quarter Ended

(in thousands) June 30, 2026 March 31, 2026 December 31, 2025 September 30, 2025 June 30, 2025

Portfolio Loans Receivable Interest Income $ 65,110 $ 64,009 $ 64,670 $ 60,610 $ 60,647

Less: Credit Card Loan Income 15,808 14,882 16,196 15,386 14,116

Core Portfolio Loans Receivable Interest Income $ 49,302 $ 49,127 $ 48,474 $ 45,224 $ 46,531

Average Portfolio Loans Receivable 3,058,476 3,008,187 2,902,033 2,789,815 2,733,865

Less: Average Credit Card Loans 137,052 133,712 133,858 129,100 121,414

Total Core Average Portfolio Loans Receivable $ 2,921,424 $ 2,874,475 $ 2,768,175 $ 2,660,715 $ 2,612,451

Core Portfolio Loans Receivable Yield 6.77% 6.93% 6.95% 6.74% 7.14%

Core Loan Yield Six Months Ended

(in thousands) June 30, 2026 June 30, 2025

Portfolio Loans Receivable Interest Income $ 129,119 $ 119,100

Less: Credit Card Loan Income 30,690 28,264

Core Portfolio Loans Receivable Interest Income $ 98,429 $ 90,836

Average Portfolio Loans Receivable 3,033,470 2,684,263

Less: Average Credit Card Loans 135,391 120,076

Total Core Average Portfolio Loans Receivable $ 2,898,079 $ 2,564,187

Core Portfolio Loans Receivable Yield 6.85% 7.14%

Appendix

Reconciliation of Non-GAAP Measures

Pre-tax, Pre-Provision Net Revenue ("PPNR") Quarter Ended

(in thousands) June 30, 2026 March 31, 2026 December 31, 2025 September 30, 2025 June 30, 2025

Net Income

$ 14,250 $ 12,018 $ 15,037 $ 15,065 $ 13,136

Add: Income Tax Expense 4,204 3,853 4,644 4,802 3,963

Add: Provision for Credit Losses 3,585 3,014 3,988 4,650 4,081

Add: Provision for (Release of) Credit Losses on Unfunded Commitments 65 205 (29) 217 —

Pre-tax, Pre-Provision Net Revenue ("PPNR") $ 22,104 $ 19,090 $ 23,640 $ 24,734 $ 21,180

Pre-tax, Pre-Provision Net Revenue ("PPNR") Six Months Ended

(in thousands) June 30, 2026 June 30, 2025

Net Income

$ 26,268 $ 27,068

Add: Income Tax Expense 8,057 8,328

Add: Provision for Credit Losses 6,599 6,327

Add: Provision for Credit Losses on Unfunded Commitments 270 —

Pre-tax, Pre-Provision Net Revenue ("PPNR") $ 41,194 $ 41,723

Core PPNR Quarter Ended

(in thousands) June 30, 2026 March 31, 2026 December 31, 2025 September 30, 2025 June 30, 2025

Net Income

$ 14,250 $ 12,018 $ 15,037 $ 15,065 $ 13,136

Add: Income Tax Expense 4,204 3,853 4,644 4,802 3,963

Add: Provision for Credit Losses 3,585 3,014 3,988 4,650 4,081

Add: Provision for (Release of) Credit Losses on Unfunded Commitments 65 205 (29) 217 —

Deduct: Income from the Call of Brokered Time Deposits — — — (4,618) —

Add: Merger-Related Expenses — — — 697 1,398

Core PPNR $ 22,104 $ 19,090 $ 23,640 $ 20,813 $ 22,578

Core PPNR Six Months Ended

(in thousands) June 30, 2026 June 30, 2025

Net Income

$ 26,268 $ 27,068

Add: Income Tax Expense 8,057 8,328

Add: Provision for Credit Losses 6,599 6,327

Add: Provision for Credit Losses on Unfunded Commitments 270 —

Add: Merger-Related Expenses — 2,664

Core PPNR $ 41,194 $ 44,387

Appendix

Reconciliation of Non-GAAP Measures

Allowance for Credit Losses to Total Portfolio Loans Quarter Ended

(in thousands) June 30, 2026 March 31, 2026 December 31, 2025 September 30, 2025 June 30, 2025

Allowance for Credit Losses $ 54,431 $ 54,680 $ 54,660 $ 53,045 $ 47,447

Total Portfolio Loans 3,085,950 3,026,431 2,959,457 2,821,983 2,739,808

Allowance for Credit Losses to Total Portfolio Loans 1.76% 1.81% 1.85% 1.88% 1.73%

Commercial Bank Allowance for Credit Losses to Commercial Bank Portfolio Loans Quarter Ended

(in thousands) June 30, 2026 March 31, 2026 December 31, 2025 September 30, 2025 June 30, 2025

Allowance for Credit Losses $ 54,431 $ 54,680 $ 54,660 $ 53,045 $ 47,447

Less: Credit Card Allowance for Credit Losses 8,904 7,802 8,232 7,413 6,762

Commercial Bank Allowance for Credit Losses $ 45,527 $ 46,878 $ 46,428 $ 45,632 $ 40,685

Total Portfolio Loans 3,085,950 3,026,431 2,959,457 2,821,983 2,739,808

Less: Gross Credit Card Loans 141,446 131,887 137,905 130,897 126,233

Commercial Bank Portfolio Loans $ 2,944,504 $ 2,894,544 $ 2,821,552 $ 2,691,086 $ 2,613,575

Commercial Bank Allowance for Credit Losses to Commercial Bank Portfolio Loans 1.55% 1.62% 1.65% 1.70% 1.56%

Nonperforming Assets to Total Assets Quarter Ended

(in thousands) June 30, 2026 March 31, 2026 December 31, 2025 September 30, 2025 June 30, 2025

Total Nonperforming Assets $ 60,843 $ 59,273 $ 58,276 $ 52,247 $ 36,167

Total Assets 3,889,938 3,808,467 3,606,207 3,389,442 3,388,662

Nonperforming Assets to Total Assets 1.56% 1.56% 1.62% 1.54% 1.07%

Nonperforming Loans to Total Portfolio Loans Quarter Ended

(in thousands) June 30, 2026 March 31, 2026 December 31, 2025 September 30, 2025 June 30, 2025

Total Nonperforming Loans $ 56,987 $ 55,417 $ 54,421 $ 52,247 $ 36,167

Total Portfolio Loans 3,085,950 3,026,431 2,959,457 2,821,983 2,739,808

Nonperforming Loans to Total Portfolio Loans 1.85% 1.83% 1.84% 1.85% 1.32%

Appendix

Reconciliation of Non-GAAP Measures

Net Charge-Offs to Average Portfolio Loans Quarter Ended

(in thousands) June 30, 2026 March 31, 2026 December 31, 2025 September 30, 2025 June 30, 2025

Total Net Charge-Offs $ 3,834 $ 2,994 $ 2,373 $ 2,476 $ 5,088

Total Average Portfolio Loans 3,058,476 3,008,187 2,902,033 2,789,815 2,733,865

Net Charge-Offs to Average Portfolio Loans, Annualized 0.50% 0.40% 0.32% 0.35% 0.75%

Net Charge-offs to Average Portfolio Loans Six Months Ended

(in thousands) June 30, 2026 June 30, 2025

Total Net Charge-Offs $ 6,828 $ 7,532

Total Average Portfolio Loans 3,033,470 2,684,263

Net Charge-Offs to Average Portfolio Loans, Annualized 0.45% 0.57%

Tangible Book Value per Share Quarter Ended

(in thousands, except share and per share data) June 30, 2026 March 31, 2026 December 31, 2025 September 30, 2025 June 30, 2025

Total Stockholders' Equity $ 422,205 $ 408,859 $ 401,757 $ 394,770 $ 380,035

Less: Intangible Assets

40,219 40,480 40,740 41,002 37,773

Tangible Common Equity $ 381,986 $ 368,379 $ 361,017 $ 353,768 $ 342,262

Period End Shares Outstanding 16,289,288 16,286,480 16,373,288 16,589,241 16,581,990

Tangible Book Value per Share $ 23.45 $ 22.62 $ 22.05 $ 21.33 $ 20.64

Return on Average Tangible Common Equity Quarter Ended

(in thousands) June 30, 2026 March 31, 2026 December 31, 2025 September 30, 2025 June 30, 2025

Net Income

$ 14,250 $ 12,018 $ 15,037 $ 15,065 $ 13,136

Add: Intangible Amortization, Net of Tax 201 197 200 199 200

Net Tangible Income $ 14,451 $ 12,215 $ 15,237 $ 15,264 $ 13,336

Average Equity 414,044 405,302 391,750 383,922 371,795

Less: Average Intangible Assets 40,377 40,628 40,884 37,706 39,534

Net Average Tangible Common Equity $ 373,667 $ 364,674 $ 350,866 $ 346,216 $ 332,261

Return on Average Equity 13.80 % 12.03 % 15.23 % 15.57 % 14.17 %

Return on Average Tangible Common Equity 15.51 % 13.58 % 17.23 % 17.49 % 16.10 %

Return on Average Tangible Common Equity Six Months Ended

(in thousands) June 30, 2026 June 30, 2025

Net Income

$ 26,268 $ 27,068

Add: Intangible Amortization, Net of Tax 399 399

Net Tangible Income $ 26,667 $ 27,467

Average Equity 409,697 367,479

Less: Average Intangible Assets 40,502 38,232

Net Average Tangible Common Equity $ 369,195 $ 329,247

Return on Average Equity 12.93 % 14.85 %

Return on Average Tangible Common Equity 14.57 % 16.82 %

Appendix

Reconciliation of Non-GAAP Measures

Core Return on Average Tangible Common Equity Quarter Ended

(in thousands) June 30, 2026 March 31, 2026 December 31, 2025 September 30, 2025 June 30, 2025

Core Net Income $ 14,250 $ 12,018 $ 15,037 $ 12,151 $ 14,206

Add: Intangible Amortization, Net of Tax 201 197 200 199 200

Core Net Tangible Income $ 14,451 $ 12,215 $ 15,237 $ 12,350 $ 14,406

Core Return on Average Tangible Common Equity 15.51 % 13.58 % 17.23 % 14.15 % 17.39 %

Core Return on Average Tangible Common Equity Six Months Ended

(in thousands) June 30, 2026 June 30, 2025

Core Net Income $ 26,268 $ 29,102

Add: Intangible Amortization, Net of Tax 399 399

Core Net Tangible Income $ 26,667 $ 29,501

Core Return on Average Tangible Common Equity 14.57 % 18.07 %

ABOUT CAPITAL BANCORP, INC.

Capital Bancorp, Inc., Rockville, Maryland is a registered bank holding company incorporated under the laws of Maryland. Capital Bancorp has been providing financial services since 1999 and now operates bank branches in four locations in the Washington, D.C., and Baltimore, Maryland metropolitan markets, one bank branch in Fort Lauderdale, Florida, one bank branch in Chicago, Illinois and one bank branch in Raleigh, North Carolina. Capital Bancorp had assets of approximately $3.9 billion at June 30, 2026 and its common stock is traded in the NASDAQ Global Market under the symbol “CBNK.” More information can be found at the Company's website www.CapitalBankMD.com under its investor relations page.

FORWARD-LOOKING STATEMENTS

This earnings release contains forward-looking statements. These forward-looking statements reflect our current views with respect to, among other things, future events and our financial performance. Any statements about our management’s expectations, beliefs, plans, predictions, forecasts, objectives, assumptions or future events or performance are not historical facts and may be forward-looking. These statements are often, but not always, made through the use of words or phrases such as “anticipate,” “believes,” “can,” “could,” “may,” “predicts,” “potential,” “should,” “will,” “estimate,” “plans,” “projects,” “continuing,” “ongoing,” “expects,” "optimistic," “intends” and similar words or phrases. Any or all of the forward-looking statements in this earnings release may turn out to be inaccurate. The inclusion of forward-looking information in this earnings release should not be regarded as a representation by us or any other person that the future plans, estimates or expectations contemplated by us will be achieved. We have based these forward-looking statements largely on our current expectations and projections about future events and financial trends that we believe may affect our financial condition, results of operations, business strategy and financial needs. Our actual results could differ materially from those anticipated in such forward-looking statements. Accordingly, we caution you that any such forward-looking statements are not a guarantee of future performance and that actual results may prove to be materially different from the results expressed or implied by the forward-looking statements due to a number of factors. For details on some of the factors that could affect these expectations, see risk factors and other cautionary language included in the Company's Annual Report on Form 10-K and other periodic and current reports filed with the Securities and Exchange Commission.

While there is no assurance that any list of risks and uncertainties or risk factors is complete, below are certain factors that could cause actual results to differ materially from those contained or implied in the forward-looking statements: the strength of the United States (“U.S.”) economy in general and the strength of the local economies in

which we conduct operations; geopolitical concerns, including acts or threats of terrorism and the ongoing wars in Iran and Ukraine; uncertainty in U.S. fiscal and monetary policy, including the interest rate policies of the Board of Governors of the Federal Reserve System; inflation, interest rate, market, and monetary fluctuations; volatility and disruptions in global capital and credit markets; changes in U.S. trade policies, including the implementation of tariffs and other protectionist trade policies; the effects of federal government shutdowns, debt ceiling standoff, or other fiscal policy uncertainty; competitive pressures on product pricing and services; success, impact, and timing of our business strategies, including market acceptance of any new products or services; the impact of changes in financial services policies, laws, and regulations, including those concerning taxes, banking, securities, and insurance, and the application thereof by regulatory bodies; cybersecurity threats and the cost of defending against them; climate change, and other catastrophic disasters; the effectiveness of the Company's internal control over financial reporting and disclosure controls and procedures; the Company’s ability to remediate the material weakness in the Company’s internal control over financial reporting; the effect of the IFH acquisition or any other acquisitions we have made or may make, including, without limitation, the failure to achieve the expected revenue growth and/or expense savings from such acquisitions, and/or the failure to effectively integrate an acquisition target into our operations, including the planned growth of Windsor AdvantageTM; and other factors that may affect our future results.

These forward-looking statements are made as of the date of this communication, and the Company does not intend, and assumes no obligation, to update any forward-looking statement to reflect events or circumstances after the date on which the statement is made or to reflect the occurrence of unanticipated events or circumstances, except as required by law.

FINANCIAL CONTACT: Jake Dalaya (301) 637-5118

MEDIA CONTACT: Ed Barry (240) 283-1912

WEB SITE: www.CapitalBankMD.com

EX-99.2

Filename: investoroverview6302026.htm · Sequence: 3

investoroverview6302026

2Q 2026 Investor Overview

Forward Looking Statements This presentation contains forward-looking statements. These forward-looking statements reflect our current views with respect to, among other things, future events and our financial performance. Any statements about our management’s expectations, beliefs, plans, predictions, forecasts, objectives, assumptions or future events or performance are not historical facts and may be forward-looking. These statements are often, but not always, made through the use of words or phrases such as “anticipate,” “believes,” “can,” “could,” “may,” “predicts,” “potential,” “should,” “will,” “estimate,” “plans,” “projects,” “continuing,” “ongoing,” “expects,” "optimistic," “intends” and similar words or phrases. Any or all of the forward-looking statements in this presentation may turn out to be inaccurate. The inclusion of forward-looking information in this presentation should not be regarded as a representation by us or any other person that the future plans, estimates or expectations contemplated by us will be achieved. We have based these forward-looking statements largely on our current expectations and projections about future events and financial trends that we believe may affect our financial condition, results of operations, business strategy and financial needs. Our actual results could differ materially from those anticipated in such forward-looking statements. Accordingly, we caution you that any such forward-looking statements are not a guarantee of future performance and that actual results may prove to be materially different from the results expressed or implied by the forward-looking statements due to a number of factors. For details on some of the factors that could affect these expectations, see risk factors and other cautionary language included in the Company's Annual Report on Form 10-K and other periodic and current reports filed with the Securities and Exchange Commission. While there is no assurance that any list of risks and uncertainties or risk factors is complete, below are certain factors which could cause actual results to differ materially from those contained or implied in the forward-looking statements: the strength of the United States (“U.S.”) economy in general and the strength of the local economies in which we conduct operations; geopolitical concerns, including acts or threats of terrorism and the ongoing wars in Israel, Iran and Ukraine; uncertainty in U.S. fiscal and monetary policy, including the interest rate policies of the Board of Governors of the Federal Reserve System; inflation, interest rate, market, and monetary fluctuations; volatility and disruptions in global capital and credit markets; changes in U.S. trade policies, including the implementation of tariffs and other protectionist trade policies; the effects of federal government shutdowns, debt ceiling standoff, or other fiscal policy uncertainty; competitive pressures on product pricing and services; success, impact, and timing of our business strategies, including market acceptance of any new products or services; the impact of changes in financial services policies, laws, and regulations, including those concerning taxes, banking, securities, and insurance, and the application thereof by regulatory bodies; cybersecurity threats and the cost of defending against them; climate change, and other catastrophic disasters; the effectiveness of the Company's internal control over financial reporting and disclosure controls and procedures; the Company’s ability to remediate the material weakness in the Company’s internal control over financial reporting; the effect of the IFH acquisition or any other acquisitions we have made or may make, including, without limitation, the failure to achieve the expected revenue growth and/or expense savings from such acquisitions, and/or the failure to effectively integrate an acquisition target into our operations, including the planned growth of Windsor AdvantageTM; and other factors that may affect our future results. Except as otherwise indicated, this presentation speaks as of the date hereof. The delivery of this presentation shall not, under any circumstances, create any implication that there has been no change in the affairs of the Company after the date hereof. Certain of the information contained herein may be derived from information provided by industry sources. The Company believes that such information is accurate and that the sources from which it has been obtained are reliable. The Company cannot guarantee the accuracy of such information, however, and has not independently verified such information. While the Company is not aware of any misstatements regarding the industry data presented in this presentation, the Company’s estimates involve risks and uncertainties and are subject to change based on various factors. Similarly, the Company believes that its internal research is reliable, even though such research has not been verified by independent sources. Non-U.S. GAAP Financial Measures This presentation may include certain non–U.S. generally accepted accounting principles ("GAAP") financial measures intended to supplement, not substitute for, comparable GAAP measures. These non-GAAP financial measures should not be considered in isolation, and should be considered as additions to, and not substitutes for or superior to, measures of financial performance prepared in accordance with GAAP. There are a number of limitations related to the use of these non-GAAP financial measures versus their nearest GAAP equivalents. For example, other companies may calculate non-GAAP financial measures differently or may use other measures to evaluate their performance, all of which could reduce the usefulness of the Company's non-GAAP financial measures as tools for comparison. If included in this presentation, see the Appendix to this presentation for a reconciliation of the non-GAAP financial measures used in (or conveyed orally during) this presentation to their most directly comparable GAAP financial measures. Core Financial Measures As used in this presentation, core net income, core fee revenue, core ROA, core ROE, ROTCE, core ROTCE, Core NIM, Core Loan Yield, Commercial Bank ACL Coverage Ratio, and Tangible Book Value are non-GAAP financial measures. These non-GAAP financial metrics exclude the impact of income from the call of brokered time deposits, merger-related expenses and certain other pre-tax adjustments which are not indicative of operating performance and tax impacts of such adjustments. Reconciliations of these and other non-GAAP measures to their comparable GAAP measures are set forth in the Appendix to this presentation. 2

CBNK Continued Strong Growth With Accelerated Investment Underway (1) Performance metrics and growth rates are annualized throughout this presentation unless otherwise noted (2) Balances through July 15th are preliminary and unaudited. They have not been subject to customary reconciliations and may not be indicative of final balances at quarter end. (3) Refer to Appendix for reconciliation of non-GAAP measures  Loan growth of $59.5mm, 7.9% (annualized)  Growth through July 15th(2) of $159.2mm YTD, or 10.0% annualized  Deposit growth of $79.1mm, 9.6% (annualized)  Growth through July 15th(2) of $165.3mm YTD, or 10.0% annualized  Customer Deposit growth of 20.3% (annualized), while reducing brokered deposits by 23.8%  NIM of 5.64%; Core NIM(3) of 4.04%  Fee Revenue growth of $1.0mm, or 29.6% (annualized), with contributions from nearly every major fee category  ROA of 1.52%; ROTCE of 15.51%  Tangible Book Value per share of $23.45, an increase of 14.7%  The Company declared a cash dividend on its common stock of $0.14 per share, a 16.7% increase from the prior quarter Q2 2026 Highlights(1) Net Income $14.3mm Loan Growth (annualized) 7.9% Customer Deposit Growth (annualized) 20.3% ROA 1.52% ROTCE 15.51% Q2 2026 3

(in millions except per share data) Balance Sheet 2Q26 1Q26 Annualized 2Q25 YoY Assets $ 3,890 $ 3,808 8.6% $ 3,389 14.8% Portfolio Loans 3,086 3,026 7.9% 2,740 12.6% Deposits 3,371 3,292 9.6% 2,941 14.6% Quarterly Financial Performance(1) 2Q26 1Q26 QoQ 2Q25 YoY Earnings per Share, Diluted 0.87$ 0.73$ 19.2% 0.78$ 11.3% Core Earnings per Share, Diluted(2) 0.87$ 0.73$ 19.2% 0.85$ 2.9% Book Value per Share 25.92$ 25.10$ 3.3% 22.92$ 13.1% Tangible Book Value per Share(2) 23.45$ 22.62$ 3.7% 20.64$ 13.6% Return on Average Assets (“ROA”) 1.52% 1.33% 19 bps 1.60% -8 bps Core ROA(2) 1.52% 1.33% 19 bps 1.73% -21 bps Return on Average Tangible Common Equity (“ROTCE”)(2) 15.51% 13.58% 193 bps 16.10% -59 bps Core ROTCE(2) 15.51% 13.58% 193 bps 17.39% -188 bps Efficiency Ratio 66.14% 69.59% -344 bps 65.14% 101 bps Core Efficiency Ratio(2) 66.14% 69.59% -344 bps 62.84% 331 bps Net Interest Margin 5.64% 5.71% -7 bps 6.04% -40 bps Core Net Interest Margin(2) 4.04% 4.15% -11 bps 4.42% -38 bps Capital Bancorp, Inc. (NASDAQ-CBNK) Financial Highlights Corporate Timeline Founded as Harbor Capital National Bank Recapitalized by investor group led by Stephen Ashman Acquired three failed institutions including OpenSky® CEO Ed Barry joined Capital Bank Assets exceed $1 billion Successful IPO and inclusion in R2000 OpenSky® accounts exceed 168,000 1999 2002 2011 2012 2017 2018 Originated $371 million SBA-PPP loans (2020 & 2021) 2020 Assets exceed $2 billion OpenSky® accounts exceed 700,000 Dividend initiated 2021 (1) Performance metrics are annualized throughout this presentation (2) Refer to Appendix for reconciliation of non-GAAP measures Assets exceed $3.2 billion Capital Bank completes acquisition of IFH 2024 4

$3.4Bn Q2 ‘26 Servicing Portfolio $6.6mm Q2 ‘26 Revenue3 • Loan service provider that offers community banks and credit unions with a comprehensive outsourced U.S. Small Business Administration (“SBA”) 7(a) and U.S. Department of Agriculture (“USDA”) lending platform • Servicing portfolio complements USDA / SBA gain on sale revenue within commercial bank • Poised to benefit from higher industry-wide SBA volumes CBNK Business Model is Uniquely Diversified Source: Company Documents. Note: CBNK financial metrics as of June 30, 2026 unless otherwise stated. 1 Volume in FY 2021 was approximately $1.0 billion and volume in FY 2022 was approximately $300 million. 2 Credit card loans are presented net of reserve for interest and fees. 3 Includes $1.3 million of Capital Bank related servicing fees 4 Excludes $1.8 million loss in Capital Bank Home Loans, $1.4 million of net income in Church Street Capital and $0.2mm of other income. 5 Excludes $0.9 million of net loss in Capital Bank Home Loans. Commercial Bank OpenSky Windsor Advantage Commercial Banking Government Guaranty Lending (GGL) • Nationwide GGL business with niche expertise in Solar and Renewable Energy • Strong C&I pipeline with proven ability to originate $150+ million per year of loans $2.9Bn Portfolio Gross Loans, ex. OpenSky $3.0Bn Customer Deposits • Focused on our core markets and filling out our national deposit vertical strategy • High value-added services and targeted vertical expertise generates above-average risk-adjusted loan yields • The Commercial Banking division operates within a corridor extending from Raleigh, North Carolina to Delaware, with seven full-service banking locations, four of which are in the DMV Metropolitan Statistical Area (“MSA”), and its locations in Ft. Lauderdale, Florida in the Miami Metro Area MSA, and in Chicago, Illinois in the Chicago MSA $36.4mm Q2‘26 Revenue Fully-Allocated Illustrative Net Income Contribution 5 $106.9mm Q2 ‘26 Volume1 $1.9mm Q2 ‘26 Revenue • Nationwide lender, primarily mortgage banking; Certain retained loans within DMV area • Gain on sale margin returning to normalized levels; Well-positioned for rate changes • Expense management delivering profitability on a marginal basis while maintaining robust origination capabilities • Natural hedge against modest structural asset sensitivity of the balance sheet $166mm Deposits $145.3mm Loans, net2 • Nationwide, secured credit card to help under-banked customers (re)establish their credit with opportunities for graduation into unsecured credit • Building capabilities to cross-sell products and services as card-holders progress on their customer journeys • Extend unsecured to graduating customers and building capabilities for a direct-to-unsecured product • Have begun testing limited offers to new customers; activity remains insignificant to overall portfolio and balances expected to remain de minimis through year end as management monitors performance $20.4mm Q2’26 Revenue Capital Bank Home Loans OpenSky Windsor Advantage FY 2023 4 Q2 2026 5

Financial Information

Net Interest Income and Margin $ in t ho u sa nd s 7 (1) Refer to Appendix for reconciliation of non-GAAP measures. (2) Total net interest income includes negligible net interest income from CBHL Loan Yield and Deposit Rate Trends Cumulative Downcycle Betas (3) Deposit betas are cumulative for the current cycle easing rate cycle (since August 2024); Interest-bearing Deposit Betas include Brokered CD’s (4) Loan yields and deposit rate trends include net purchase accounting adjustments Note: 3Q 2025 includes the $4.6 million (56 bps of NIM or 59 bps of Core NIM) Call of Brokered Time Deposits and $1.3 million (16 bps of NIM or 17 bps of Core NIM) Interest Income Adjustment. Excluding these items, 3Q 2025 NIM would have been 5.96% and Core NIM would have been 4.24%. Net PAA Contribution to Core NIM $1.3mm or 16bps $0.9mm or 11bps $0.2mm or 2bps $0.4mm or 5bps $0.3mm or 4bps Core NIM(1) excluding change in net PAA, FAS 91 and NPAs was 4.10% for 2Q26 Core Loan Yield(1) excluding change in net PAA, FAS 91, and NPAs was 6.86% for 2Q26

Core Fee Revenue $ in t ho us an d s 8 $4,323 $4,476 $4,847 $4,704 $4,425 $1,541 $1,762 $1,784 $1,378 $1,829 $(566) $(509) $845 $761 $341 $3,112 $923 $1,207 $4,696 $5,339 $4,988 $5,607 $6,559 21.6% 18.9% 19.9% 21.3% 22.0% 2Q25 3Q25 4Q25 1Q26 2Q26 OpenSky CBHL Commercial Bank GGL Windsor Advantage Other(1)

Noninterest Expense $ in t ho us an d s 9 Note: Other expense includes loan processing expense, outside service providers expense, regulatory expense, office expense and other operational losses Refer to Appendix for reconciliation of Core, non-GAAP measures.  Advanced strategic investments in OpenSkyTM unsecured card, OpenSkyTM card partnerships, data infrastructure, and back-office support to enhance scalability and long-term growth  Continued investment in planned headcount growth across the Company $18,460 $17,728 $17,914 $20,317 $20,067 $2,995 $2,849 $2,638 $3,562 $3,942 $2,422 $2,131 $4,294 $4,965 $4,125 $7,520 $7,654 $7,502 $7,767 $7,551 $1,371 $1,714 $1,398 $1,466 $1,816 $5,406 $5,581 $5,356 $5,604 $5,685 $1,398 $697 $39,572 $38,354 $39,103 $43,681 $43,186 62.8% 64.4% 62.3% 69.6% 66.1% 2Q25 3Q25 4Q25 1Q26 2Q26 Salaries and employee benefits Occupancy and equipment Professional fees Data processing Advertising Other expense Merger-related expenses Core Efficiency Ratio

Profitability(1) 10 (1) Annualized Note: Refer to Appendix for reconciliation of Core, non-GAAP measures.

Cash & Cash Equivalents… Portfolio Loans (gross) 79% AFS Securities Portfolio 6% Other Assets 4% Asset Composition 2Q26 Total Assets: $3.9B Balance Sheet Composition Commentary • Gross loan growth of $59.5 million, or 7.9% (annualized), during 2Q26. • Compared to March 31, 2026, growth was primarily driven by $34.8 million from CRE, $10.5 million Open Sky Card and $5.0 million from construction real estate. • C&l loans, plus owner-occupied CRE loans, totaled 37.4% of total portfolio loans at June 30, 2026, 38.3% for the prior quarter, and 37.6% at June 30, 2025. 11 (1) Other is comprised of lender finance of $43.8 million, business equity lines of credit of $4.2 million, other consumer loans of $4.8 million and deferred origination fees, net of $4.0 million. Note: Portfolio loans are presented net of deferred fees and costs of $4.0 million. Credit Card loans are presented net of reserve for interest and fees. C&I + OO-CRE represents 37% of total Portfolio Loans

Composition of Deposits Commentary • Total deposits increased $79.1 million, or 9.6% (annualized) from 1Q26; Excluding $72.1 million of intentional brokered deposit decline tied to lower liquidity needs, total customer deposits increased $151.1 million or 20.3% annualized • Reduced brokered deposits by 23.8% (annualized) • Loans-to-deposit ratio of 91.5%. • The total cost of deposits of 2.29% for 2Q 2026 decreased 5 bps compared to the prior quarter and decreased 7 bps year-over-year. • The total cost of interest-bearing deposits decreased 8 bps quarter-over-quarter, and decreased 20 bps year-over-year, to 3.09% for 2Q 2026. • Insured and protected deposits were approximately $2.2 billion as of June 30, 2026 representing 66.6% of the Company's deposit portfolio. 12 (1) Annualized (in thousands) Deposits: Balance % of Total Deposits Average Rate(1) Noninterest-bearing 897,363$ 26.6% 0.00% Interest-bearing demand 391,544 11.6% 0.94% Savings 23,077 0.7% 1.58% Money markets 1,390,778 41.3% 3.29% Time deposits 668,341 19.8% 3.80% Total deposits 3,371,103$ 100.0% 2.29% As of or For the Three Months Ended June 30, 2026

Investment Portfolio and Liquidity Investment Securities Portfolio • Classified as available for sale with a fair market value of $219.9 million, or 5.7% of total assets, with an effective duration of 2.5 years. • U.S. Treasuries represent 60% of the overall investment portfolio. • The accumulated other comprehensive loss on the investment securities portfolio of $6.3 million represents 1.5% of total stockholders’ equity and $0.39 of TBVPS. • The Company does not have a held to maturity investment securities portfolio. 13 High Quality, Low Risk Investment Portfolio Sources of Liquidity at June 30, 2026: • $699 million of collateralized lines of credit include: • $572 million of available borrowing capacity from the FHLB. • $127 million of available borrowing capacity from the Federal Reserve Bank of Richmond’s discount window. • Available lines of credit with other correspondent banks totaled $96 million. • Unpledged investment securities available as collateral for potential additional borrowings totaled $6.2 million. Significant Liquidity Capacity $ in m ill io n s

Credit Metrics 14 (1) Refer to Appendix for reconciliation of non-GAAP measures. 3 loan relationships accounted for 37% of non-performing loans in 2Q26 3 loan relationships accounted for 35% of NPAs in 2Q26 Excluding nonaccrual loans from one loan relationship, NPAs would have been 1.31% Excluding nonaccrual loans from one loan relationship, NPLs would have been 1.53%

Robust Capital Ratios 15 Note: Ratios presented are for Capital Bank unless otherwise noted (1) Estimated ratio at June 30, 2026

Share Appreciation Outperforms Industry 16 Share Price Change Since CBNK IPO on 9/26/20181TBVPS + Dividend Growth Since 2018Q3 100%+ Outperformance vs. both groups 155%+ Outperformance vs. both groups Source: S&P Global Market Intelligence; FactSet. Note: Market data as of 7/22/2026. 1 CBNK IPO price of $12.50 used as starting price for price change calculation. 2 Select banks with assets between $1.5 billion and $5.0 billion in the Mid-Atlantic (North of Richmond) and New England Region. (ACNB, BCBP, BPRN, BWFG, FRBA, FRST, FVCB, HNVR, JMSB, MNSB, MRBK, MVBF, PKBK, UNTY). 0% 20% 40% 60% 80% 100% 120% 140% 160% 180% 200% CAGR % Change CBNK 15.7% 210% KBW NASDAQ Regional Banking Index 10.1% 110% Selected Banks2 Median 8.7% 91% 58.48% (60%) (40%) (20%) 0% 20% 40% 60% 80% 100% 120% 140% 160% 180% % Change CBNK 184% KBW NASDAQ Regional Banking Index 29% Selected Banks2 Median 26%

Jake Dalaya Chief Financial Officer (301)-637-5118 NASDAQ: CBNK

Non-U.S. GAAP Financial Measures

Core Earnings Metrics (in thousands, except per share data) June 30, 2026 March 31, 2026 December 31, 2025 September 30, 2025 June 30, 2025 Net Income 14,250$ 12,018$ 15,037$ 15,065$ 13,136$ Deduct: Income from the Call of Brokered Time Deposits, Net of Tax - - - (3,489) - Add: Merger-Related Expenses, Net of Tax - - - 575 1,070 Core Net Income 14,250$ 12,018$ 15,037$ 12,151$ 14,206$ Weighted average common shares - Diluted 16,373 16,441 16,493 16,844 16,802 Earnings per share - Diluted 0.87$ 0.73$ 0.91$ 0.89$ 0.78$ Core Earnings per share - Diluted 0.87$ 0.73$ 0.91$ 0.72$ 0.85$ Average Assets 3,761,511$ 3,651,812$ 3,498,540$ 3,378,296$ 3,292,533$ Return on Average Assets(1) 1.52% 1.33% 1.71% 1.77% 1.60% Core Return on Average Assets(1) 1.52% 1.33% 1.71% 1.43% 1.73% Average Equity 414,044$ 405,302$ 391,750$ 383,922$ 371,795$ Return on Average Equity(1) 13.80% 12.03% 15.23% 15.57% 14.17% Core Return on Average Equity(1) 13.80% 12.03% 15.23% 12.56% 15.33% Net Interest Income 50,929$ 49,398$ 50,279$ 52,020$ 47,646$ Noninterest Income 14,361 13,373 12,464 11,068 13,106 Total Revenue 65,290$ 62,771$ 62,743$ 63,088$ 60,752$ Noninterest Expense 43,186 43,681 39,103 38,354 39,572 Efficiency Ratio(2) 66.1% 69.6% 62.3% 60.8% 65.1% Net Interest Income 50,929$ 49,398$ 50,279$ 52,020$ 47,646$ Deduct: Income from the Call of Brokered Time Deposits - - - 4,618 - Core Net Interest Income (a) 50,929$ 49,398$ 50,279$ 47,402$ 47,646$ Noninterest Income (b) 14,361 13,373 12,464 11,068 13,106 Core Revenue (a) + (b) 65,290$ 62,771$ 62,743$ 58,470$ 60,752$ Noninterest Expense 43,186 43,681 39,103 38,354 39,572 Less: Merger-Related Expenses -$ -$ -$ 697$ 1,398$ Core Noninterest Expense 43,186$ 43,681$ 39,103$ 37,657$ 38,174$ Core Efficiency Ratio(2) 66.1% 69.6% 62.3% 64.4% 62.8% (1) Annualized (2) The efficiency ratio is calculated by dividing noninterest expense by total revenue (net interest income plus noninterest income). Quarters Ended Reconciliation of Non-GAAP Information 19

Reconciliation of Non-GAAP Information 20 Tangible Book Value Per Share (in thousands, except per share amount) June 30, 2026 March 31, 2026 December 31, 2025 September 30, 2025 June 30, 2025 Total Stockholders' Equity 422,205$ 408,859$ 401,757$ 394,770$ 380,035$ Less: Intangible assets 40,219 40,480 40,740 41,002 37,773 Tangible Common Equity 381,986$ 368,379$ 361,017$ 353,768$ 342,262$ Period End Shares Outstanding 16,289,888 16,286,480 16,373,288 16,589,241 16,581,990 Tangible Book Value Per Share 23.45$ 22.62$ 22.05$ 21.33$ 20.64$ Core Net Interest Margin(1) (in thousands) June 30, 2026 March 31, 2026 December 31, 2025 September 30, 2025 June 30, 2025 Net Interest Income 50,929$ 49,398$ 50,279$ 52,020$ 47,646$ Less: Credit Card Loan Income 15,808$ 14,882$ 16,196$ 15,386$ 14,116$ Net Interest Income Excluding Credit Card 35,121$ 34,516$ 34,083$ 36,634$ 33,530$ Average Interest Earning Assets 3,619,887 3,509,115 3,360,576 3,246,653 3,163,421 Less: Average Credit Card Loans 137,052 133,712 133,858 129,100 121,414 Average Core Interest Earning Assets 3,482,835$ 3,375,403$ 3,226,718$ 3,117,553$ 3,042,007$ Core Net Interest Margin 4.04% 4.15% 4.19% 4.66% 4.42% (1) Annualized Core Loan Yield(1) June 30, 2026 March 31, 2026 December 31, 2025 September 30, 2025 June 30, 2025 Portfolio Loans Receivable Interest Income 65,110$ 64,009$ 64,670$ 60,610$ 60,647$ Less: Credit Card Loan Income 15,808$ 14,882$ 16,196$ 15,386$ 14,116$ Core Portfolio Loans Receivable Interest Income 49,302$ 49,127$ 48,473$ 45,223$ 46,531$ Average Portfolio Loans Receivable 3,058,476 3,008,187 2,902,033 2,789,815 2,733,865 Less: Average Credit Card Loans 137,052 133,712 133,858 129,100 121,414 Total Core Average Portfolio Loans Receivable 2,921,424$ 2,874,475$ 2,768,175$ 2,660,715$ 2,612,451$ Core Portfolio Loans Receivable Yield 6.77% 6.93% 6.95% 6.74% 7.14% (1) Annualized Quarters Ended Quarters Ended Quarters Ended

Reconciliation of Non-GAAP Information 21 Return on Average Tangible Common Equity (in thousands) June 30, 2026 March 31, 2026 December 31, 2025 September 30, 2025 June 30, 2025 Net Income 14,250$ 12,018$ 15,037$ 15,065$ 13,136$ Add: Intangible Amortization, net of tax 201 197 200 199 200 Net Tangible Income 14,451$ 12,215$ 15,237$ 15,264$ 13,336$ Average Equity 414,044 405,302 391,750 383,922 371,795 Less: Average Intangible Assets 40,377 40,628 40,884 37,706 39,534 Net Average Tangible Common Equity 373,667$ 364,674$ 350,866$ 346,216$ 332,261$ Return on Average Equity 13.80% 12.03% 15.23% 15.57% 14.17% Return on Average Tangible Common Equity 15.51% 13.58% 17.23% 17.49% 16.10% Core Return on Average Tangible Common Equity (in thousands) June 30, 2026 March 31, 2026 December 31, 2025 September 30, 2025 June 30, 2025 Net Income, as Adjusted 14,250$ 12,018$ 15,037$ 12,151$ 14,206$ Add: Intangible Amortization, net of tax 201 197 200 199 200 Core Net Tangible Income 14,451$ 12,215$ 15,237$ 12,350$ 14,406$ Core Return on Average Tangible Common Equity 15.51% 13.58% 17.23% 14.15% 17.39% Quarters Ended Quarters Ended

Net Charge-offs to Average Portfolio Loans(1) (in thousands) June 30, 2026 March 31, 2026 December 31, 2025 September 30, 2025 June 30, 2025 Total Net Charge-offs 3,834$ 2,994$ 2,373$ 2,476$ 5,088$ Total Average Portfolio Loans 3,058,476 3,008,187 2,902,033 2,789,815 2,733,865 Net Charge-offs to Average Portfolio Loans(1) 0.50% 0.40% 0.32% 0.35% 0.75% Nonperforming Loans to Total Portfolio Loans (in thousands) June 30, 2026 March 31, 2026 December 31, 2025 September 30, 2025 June 30, 2025 Total Nonperforming Loans 56,987$ 55,417$ 54,421$ 52,247$ 36,167$ Total Portfolio Loans 3,085,950 3,026,431 2,959,457 2,821,983 2,739,808 Nonperforming Loans to Total Portfolio Loans 1.85% 1.83% 1.84% 1.85% 1.32% Allowance for Credit Losses to Total Portfolio Loans (in thousands) June 30, 2026 March 31, 2026 December 31, 2025 September 30, 2025 June 30, 2025 Allowance for Credit Losses 54,431$ 54,680$ 54,660$ 53,045$ 47,447$ Total Portfolio Loans 3,085,950 3,026,431 2,959,457 2,821,983 2,739,808 Allowance for Credit Losses to Total Portfolio Loans 1.76% 1.81% 1.85% 1.88% 1.73% Commercial Bank Allowance for Credit Losses to Commercial Bank Portfolio Loans (in thousands) June 30, 2026 March 31, 2026 December 31, 2025 September 30, 2025 June 30, 2025 Allowance for Credit Losses 54,431$ 54,680$ 54,660$ 53,045$ 47,447$ Less: Credit Card Allowance for Credit Losses 8,904 7,802 8,232 7,413 6,762 Commercial Bank Allowance for Credit Losses 45,527$ 46,878$ 46,428$ 45,632$ 40,685$ Total Portfolio Loans 3,085,950 3,026,431 2,959,457 2,821,983 2,739,808 Less: Gross Credit Card Loans 141,446 131,887 137,905 130,897 126,233 Commercial Bank Portfolio Loans 2,944,504$ 2,894,544$ 2,821,552$ 2,691,086$ 2,613,575$ Commercial Bank Allowance for Credit Losses to Commercial Bank Portfolio Loans 1.55% 1.62% 1.65% 1.70% 1.56% (1) Annualized Quarters Ended Quarters Ended Quarters Ended Quarters Ended Reconciliation of Non-GAAP Information 22

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