What Capital Bancorp does

Capital Bancorp, Inc. (NASDAQ: CBNK) is a publicly traded bank holding company headquartered in Rockville, Maryland, operating through its wholly owned subsidiary Capital Bank, N.A., a nationally chartered bank founded in 1999. The franchise provides commercial and consumer banking with a structural specialization in government-guaranteed lending, including SBA 7(a), SBA 504, USDA Business & Industry, USDA REAP, USDA FSA, and USDA Community Facilities programs; it ranks among the Top 5 USDA lenders nationally for three consecutive years and holds SBA Preferred Lender status. As of March 31, 2026, the combined entity holds approximately $3.8 billion in assets following the October 2024 merger with Integrated Financial Holdings, Inc., and operates seven physical branches across the mid-Atlantic, Southeast, and Midwest regions. Vertical-specialized relationship teams serve niche industries including government contractors, homeowner associations, political action committees, not-for-profits, restoration companies, title/settlement firms, and agribusiness.

The core product platform comprises business checking, savings, treasury management, and digital banking (online and mobile) for commercial clients; personal checking, savings, money market, and HSA accounts for consumers; the Capital Bank Home Loans mortgage division (purchase, refinance, FHA, VA, USDA, jumbo); and the OpenSky credit card division. Treasury management is delivered through Positive Pay, ACH and wire transfers, remote deposit, lockbox, cash vault, and merchant and payroll services, with integrations to QuickBooks, Quicken, and MSMoney via Direct Connect, plus white-labeled ZEscrow and ZRent platforms powered by ZSuite Technologies that target HOA, property management, and landlord workflows. Supporting platforms include Windsor Advantage (SBA and commercial lending) and fraud/security tooling such as CardValet and multi-factor authentication. The technology stack is described as a standard commercial digital banking platform with no disclosed proprietary AI/ML capabilities.

Capital Bancorp generates revenue primarily through net interest income on its loan portfolio (SBA, USDA, commercial real estate, agribusiness, consumer mortgages) offset by interest paid on deposits, supplemented by transactional and recurring fee streams from loan origination, treasury management, escrow and sub-accounting services, and mortgage banking. Quarterly revenue reached $62.42M in Q1 2026 and $62.74M in Q4 2025, implying an annualized run rate of approximately $250M. Go-to-market combines relationship-based enterprise field sales through dedicated industry teams with direct-to-consumer digital self-service channels (online applications, mobile apps, digital loan origination). Marketing is supported by content marketing, an annual not-for-profit symposium, active industry association involvement (ALTA, VLTA, NABPAC, PAC PALS, NILE), and a multi-state physical branch presence.

Name

Capital Bancorp

Legal name

Capital Bancorp, Inc.

Website

https://capitalbankmd.com

Company type

Public

Founded year

1999

Operating status

Operating

Headcount range

251–500 employees

Short description

Capital Bancorp (NASDAQ: CBNK) is a Rockville, MD-based bank holding company operating Capital Bank, N.A., providing commercial and consumer banking with a specialization in SBA and USDA government-guaranteed lending to SMBs and niche industry verticals.

Ownership category

akta.pro rank

Product category

Commercial Banking

NAICS

Commercial Banking (52211)

SIC

National Commercial Banks (6021)

akta.pro primary industry

General SME & Middle-Market Commercial Banking (FSABABAA)

akta.pro secondary industries

SME Business Lending (Term Loans, Lines of Credit, Overdrafts) (FSABABAB), Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA), Real Estate (Commercial Property, REITs) (FSABACAH)

Keywords

• Commercial banking services
• Government guaranteed lending
• Small business loans
• Treasury management solutions
• Mortgage banking services

Headquarters

HQ city

Rockville

HQ country

United States

HQ region

North America

Offices8 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Others

Revenue model

1. Net Interest Income: Interest income from loan portfolio including SBA loans, USDA loans, commercial real estate loans, and consumer mortgages, offset by interest paid on deposits
2. Loan Origination Fees: Fees earned from originating government-guaranteed loans including SBA 7(a), SBA 504, and USDA B&I loans. The company has helped businesses secure over $550 million through SBA loans.
3. Treasury Management Fees: Fees from treasury management services including Positive Pay, ACH transfers, wire transfers, remote deposit, lockbox services, and cash vault services
4. Escrow and Sub-accounting Services: Revenue from ZEscrow platform for HOA and property management escrow accounts
5. Mortgage Banking Income: Revenue from mortgage originations through Capital Bank Home Loans including purchase loans, refinances, and home equity products

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels5 records

Core offering

Capital Bancorp, through its wholly-owned subsidiary Capital Bank, N.A., operates as a community and commercial bank delivering personal and business banking, government-guaranteed lending (SBA and USDA), mortgage loans, treasury management, and specialized industry banking for verticals such as government contractors, HOAs, PACs, not-for-profits, restoration companies, and title/settlement service providers. The bank operates seven physical branches across the mid-Atlantic, Southeast, and Midwest, complemented by digital banking platforms and partnership-based offerings including OpenSky credit cards, ZEscrow, and ZRent.

Product overview

Capital Bancorp operates as a bank holding company through its subsidiary Capital Bank, N.A., offering a comprehensive digital-first banking platform. The core product portfolio includes Business Banking and Personal Banking services with integrated Digital Banking platforms (online and mobile). The lending suite features SBA Loans, USDA Business Loans (including B&I, REAP, FSA, and Community Facilities programs), Business Lending, and Capital Bank Home Loans (mortgage products). Treasury Management Services provide fraud protection, ACH/wire transfers, and accounting software integration. Industry-specific solutions target Government Contractors, HOAs, PACs, Not-for-Profits, Restoration Services, and Settlement Services. Add-on modules include ZEscrow and ZRent (via ZSuite Technologies partnership), Health Savings Accounts, OpenSky credit cards, and Windsor Advantage commercial lending. The company also completed a merger with Integrated Financial Holdings in October 2024, expanding its government-guaranteed lending capabilities.

Differentiator

Problem solved

Functional benefit

Brands

• OpenSky: Credit card division of Capital Bank offering credit card products, including the OpenSky credit card program.
• ZEscrow
• ZRent
• Capital Bank Home Loans

Products and services

• Business Banking Comprehensive business banking services for businesses, including checking accounts, savings and investments, digital banking, treasury management, and lending solutions tailored for SMBs through mid-market companies.
• Personal Banking Personal banking solutions including checking, savings, money market accounts, CDs, IRAs, debit cards, and online banking for individual consumers.
• Business Lending Diversified business lending products including term loans, lines of credit, agribusiness loans, owner-occupied real estate loans, and construction loans up to $15 million for SMBs and mid-market businesses.
• SBA Loans Small Business Administration loan programs including SBA 7(a) loans up to $5 million, SBA 504 loans up to $5.5 million, and SBA Small Loans up to $350,000, delivered through Capital Bank as a Preferred SBA Lender.
• USDA Business Loans Government-guaranteed loans through USDA programs including Business & Industry (B&I) loans up to $25 million, Rural Energy for America Program (REAP), Farm Operating/Ownership loans, and Community Facilities loans.
• Capital Bank Home Loans Digital-first mortgage lending platform offering purchase loans, refinancing, FHA loans, VA loans, USDA home loans, jumbo loans, adjustable-rate mortgages, and fixed-rate mortgages with fast 21-day closing capability.
• Digital Business Banking Online and mobile banking platform for businesses providing account management, fund transfers, check deposits, ACH transfers, wire transfers, and integration with QuickBooks and Quicken.
• Digital Personal Banking Online and mobile banking services for personal accounts with 128-bit SSL encryption, mobile check deposit, bill pay, and Quicken/MSMoney integration.
• Treasury Management Services Comprehensive treasury services for business banking customers including Positive Pay fraud protection, ACH and wire transfers, remote deposit, ICS/CDARS for deposit insurance, business lockbox services, cash vault services, merchant services, payroll services, zero balance accounts, and Direct Connect with QuickBooks.
• Commercial Real Estate Lending Commercial real estate financing and investment property lending for real estate acquisition, development, construction, and owner-occupied properties.
• Government Contracting Banking Specialized banking services for government contractors including treasury services, depository services, and lending solutions tailored to cash flow management and contract bid financing.
• HOA Banking Services Comprehensive banking solutions for Homeowner Associations including deposit accounts, cash management, borrowing for maintenance and improvements, and fraud protection, supported by dedicated relationship managers.
• PAC Banking Services Specialized banking for Political Action Committees featuring fraud protection, same-day wire transfers, next-day ACH, fee-free PAC accounts, and dedicated PAC bankers.
• Not-for-Profit Banking Services Banking services for non-profit organizations including online and mobile banking, money market accounts, business checking, real estate financing, and dedicated not-for-profit relationship managers.
• Settlement Services Banking Banking services for title companies and settlement service providers including Positive Pay fraud detection, wire processing, customized reporting, IOLTA/MAHT accounts, and escrow accounts with extended wire room hours.
• Restoration Services Lending Specialized lending for restoration, water damage, and disaster cleanup companies including mobilization loans, acquisition financing, equipment loans, and succession planning.
• OpenSky Credit Cards Credit card products offered through Capital Bank's OpenSky division, including the OpenSky credit card program targeted at consumers seeking accessible credit card products.
• Windsor Advantage SBA and commercial lending platform providing business lending services as a wholly-owned subsidiary overseen by Capital Bancorp's leadership.
• Agriculture and Agribusiness Lending Agricultural lending including FSA guaranteed farm loans, farm operating loans, farm ownership loans, and farm equipment financing for agribusiness operators.

Quantifiable outcome

• Over $550 million in SBA loan funding helped businesses secure
• +5 more outcomes

Named customers10 records

Segments12 records

Ideal customer profiles9 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

Feature5 records

Partnerships

Nine partnerships are on record, tiered core and minor.

• ZSuite Technologies, Inc.coreTechnology or IntegrationZSuite Technologies provides ZEscrow, a modern escrow and sub-accounting service that automates processes for opening, closing, maintaining and servicing escrow, trust and custodial accounts. ZSuite receives compensation from Capital Bank, N.A. for this white-label partnership.
• American Land Title AssociationminorOthersCapital Bank is a member of ALTA, participating in Membership and Organization Committee, Education Committee and MISMO workgroup. Angela Saiz serves as volunteer on these committees.
• Virginia Land Title Association (VLTA)minorOthersCapital Bank is a proud member of VLTA, supporting the land title industry in Virginia.
• DC Land Title Association (DCLTA)minorOthersCapital Bank is a member of DCLTA, supporting land title services in the DC metropolitan area.
• Maryland Land Title Association (MLTA)minorOthersCapital Bank is a member of MLTA, supporting the land title industry in Maryland.
• MoneyPassminorChannel Partner/ Reseller/ DistributorCapital Bank customers have access to thousands of surcharge-free ATMs nationwide through the MoneyPass network. ATMs marked with MoneyPass logo provide surcharge-free access.
• NABPACminorOthersCapital Bank is actively involved in NABPAC, the leading industry association for political banking, reflecting commitment to advocacy, compliance, and success of political organizations.
• PAC PALSminorOthersCapital Bank is actively involved in PAC PALS, supporting the political organization banking community.
• National Institute for Lobbying & EthicsminorOthersCapital Bank is actively involved in NILE, reflecting commitment to advocacy, compliance, and the continued success of political organizations.

Scale indicators12 records

Recent moves9 records

Expansion highlights6 records

Others

• ZSuite Technologies: ZSuite Technologies is the fintech provider behind Capital Bank's ZEscrow and ZRent white-label platforms. Not a financial peer, but a key technology partner that delivers the HOA escrow and rent-collection products and a proxy for how Capital Bank productizes software partnerships alongside traditional lending.

Direct peers

• First BanCorp. First BanCorp. (NYSE: FBP) is a publicly traded commercial bank holding company operating Capital Bank, N.A. of Puerto Rico with strong SBA and government-guaranteed lending. Comparable to Capital Bancorp on holding-company structure, commercial banking focus, and government-guaranteed small business lending franchise.
• Customers Bancorp: Customers Bancorp (NYSE: CUBI) is a community bank with a national digital/SMB lending franchise including SBA and specialty banking verticals. Compares to Capital Bancorp on SBA-led growth strategy, specialty commercial banking verticals, and pursuit of non-traditional fee income streams such as OpenSky-style specialty finance.
• Sandy Spring Bancorp: Sandy Spring Bancorp (NASDAQ: SASR) is a Maryland-based community/commercial bank serving the Mid-Atlantic with comparable SME and commercial real estate lending and treasury management. Most directly comparable to Capital Bancorp on geography, balance-sheet size (~$13B assets vs. CBNK's ~$3.8B), and SME focus.
• WSFS Financial Corporation: WSFS Financial (NASDAQ: WSFS) operates the largest community bank in the Philadelphia/Delaware region with strong commercial and small-business banking and a digital platform. Comparable to Capital Bancorp in Mid-Atlantic footprint, SME/commercial orientation, and digital-banking emphasis.
• Live Oak Bancshares: Live Oak Bancshares (NASDAQ: LOB) operates Live Oak Bank, which is the largest pure-play SBA lender in the U.S. It is the most directly comparable peer to Capital Bancorp given the shared focus on SBA and USDA government-guaranteed lending to small and middle-market businesses, similar customer segment, and similar specialty banking franchise model.
• Atlantic Union Bankshares: Atlantic Union Bankshares (NASDAQ: AUB) is a Mid-Atlantic and Virginia-based community/commercial bank with active SBA, USDA, and commercial real estate lending. Closely comparable to Capital Bancorp on footprint (Virginia, North Carolina, Maryland), SBA/USDA specialty lending, and SME commercial banking.
• Eagle Bancorp: Eagle Bancorp (NASDAQ: EGBN) is a Bethesda, Maryland-based commercial bank focused on the greater Washington, D.C. metro with commercial lending, real estate and government contractor banking. Highly comparable to Capital Bancorp in geography, customer mix (including government contractors), and SME/commercial lending model.

Broad incumbents

• Old National Bancorp: Old National Bancorp (NASDAQ: ONB) is a large multi-state community/commercial bank with SBA, USDA and CRE lending across the Midwest and Mid-Atlantic. Comparable to Capital Bancorp on commercial/SME lending but operates at materially greater scale and broader geography, making it a broad incumbent in the same niche.
• F.N.B. Corporation: F.N.B. Corporation (NYSE: FNB) is a diversified Mid-Atlantic and Southeast regional bank with full commercial and consumer banking lines. Comparable to Capital Bancorp on geographic overlap (Mid-Atlantic/Southeast) and commercial banking model, but with broader product set and larger asset base.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/capitalbankmd
• LinkedInlinkedin.com/company/capital-bank-n.a.

Revenue estimate

Valuation estimate

Number of profiles

Profiles27 records

Subsidiaries3 records

Funding overview

Funding rounds3 records

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Capital Bancorp