Capital Bancorp filed its annual report on Form 10-K, reporting FY 2025 net income of USD 57.17 million, up 84.6%. FY 2025 net interest income was USD 195.99 million, up 26.7%, while net interest margin fell 12 basis points to 6.1% as commercial loans acquired from IFH diluted the impact from OpenSky. FY 2025 noninterest income was USD 49.19 million, up 56.6%, primarily reflecting a full year of results from the IFH acquisition. FY 2025 noninterest expense rose 22.9% to USD 155.08 million, largely due to the IFH acquisition, including higher salaries and employee benefits. Capital Bancorp said total assets were USD 3.61 billion at Dec. 31, 2025, up 12.5%, and deposits were USD 3.09 billion, up 12%.
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