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STATES\n\nSECURITIES AND EXCHANGE COMMISSION\n\nWashington, D.C. 20549\n\nFORM 10-Q\n\n☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934\n\nFor the Quarterly Period ended March 31, 2026         OR\n\n☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15 (d) OF THE SECURITIES EXCHANGE ACT OF 1934\n\nFor the Transition Period from to\n\nCommission file number 001-38671\n\nCAPITAL BANCORP INC.\n\n(Exact name of registrant as specified in its charter)\n\nMaryland\n\n52-2083046\n\n(State or other jurisdiction of incorporation or organization)\n\n(IRS Employer Identification No.)\n\n2275 Research Boulevard\n\nSuite 600\n\nRockville\n\nMaryland\n\n20850\n\n(Address of principal executive offices)\n\n(Zip Code)\n\n(301) 468-8848\n\nRegistrant’s telephone number, including area code\n\nNot Applicable\n\n(Former Name or Former Address, if Changed Since Last Report)\n\nSecurities registered pursuant to Section 12(b) of the Act:\n\nTitle of each classTrading Symbol(s)Name of each exchange on which registered\n\nCommon Stock, par value $0.01 per shareCBNKNASDAQ Stock Market\n\n    Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.             Yes x No ¨\n\n    Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).                         Yes x No ¨\n\n    Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company” and “emerging growth company” in Rule 12b-2 of the Exchange Act.\n\nLarge accelerated filer¨Accelerated Filer☒\n\nNon-accelerated filer¨Smaller reporting company☐\n\nEmerging growth company☐\n\nIf 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.     ☐\n\nIndicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).         Yes ☐ No x\n\nAs of May 6, 2026, the Company had 16,288,055 shares of common stock, par value $0.01 per share, outstanding.\n\nCapital Bancorp, Inc. and Subsidiaries\n\nForm 10-Q\n\nTable of Contents\n\nPART I - CONSOLIDATED FINANCIAL INFORMATIONPage"}