Capital Bancorp, Inc. (CBNK) Balance Sheet
CBNK balance sheet, 2025
December 31, 2025 · U.S. dollars$3.61B assets = $3.20B liabilities + $402.0M equity
Both columns are drawn to the same scale: what CBNK owns equals what it owes plus shareholders’ equity. Hover a block for its value.
CBNK financial health
Descriptive bands, not a rating. Fiscal 2025.
CBNK balance sheet trends, 2016–2025
| Metric | Trend | Then | Latest | Change |
|---|---|---|---|---|
| Total assets | $905.6M2016 | $3.61B2025 | +16.6%/yr | |
| Total liabilities | $834.9M2016 | $3.20B2025 | +16.1%/yr | |
| Shareholders’ equity | $70.7M2016 | $402.0M2025 | +21.3%/yr | |
| Cash & short-term investments | $82.0M2016 | $261.0M2025 | +13.7%/yr | |
| Total debt | $33.0M2016 | $52.1M2025 | +5.2%/yr | |
| Net cash (debt) | $49.0M2016 | $208.9M2025 | +$159.9M | |
| Working capital | −$718.0M2016 | −$1.96B2025 | −$1.2B | |
| Book value per share | $5.382016 | $24.372025 | +18.3%/yr | |
| Debt / equity | 0.472016 | 0.132025 | −0.34 | |
| Shares outstanding | 13.2M2016 | 16.5M2025 | +2.5%/yr |
Change is the average annual growth (CAGR) or the difference between the first and latest year.
CBNK assets
CBNK liabilities and equity
CBNK debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease obligations.
CBNK balance sheet
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||
| Cash & short-term investments | $261.0M | $308.0M | $138.2M | $312.2M | $364.2M | $244.3M | $173.8M | $79.4M | $102.6M | $82.0M |
| Cash & equivalents | $30.9M | $205.3M | $53.6M | $59.7M | $179.7M | $144.5M | $113.0M | $32.4M | $48.5M | $34.0M |
| Short-term investments | $230.1M | $102.7M | $84.6M | $252.5M | $184.5M | $99.8M | $60.8M | $46.9M | $54.0M | $48.0M |
| Receivables | $25.8M | $16.7M | $11.5M | $9.5M | $7.9M | $8.1M | $4.8M | $4.5M | $3.9M | $3.2M |
| Inventory | $0 | $0 | $3.0M | −$89.9M | −$191.4M | −$158.4M | −$122.0M | $142,000 | −$57.8M | −$41.4M |
| Other current assets | $0 | $0 | $0 | $89.9M | $191.4M | $158.4M | $122.0M | $0 | $59.3M | $41.4M |
| Total current assets | $286.8M | $324.6M | $149.7M | $321.7M | $372.1M | $252.5M | $178.6M | $83.8M | $108.0M | $85.2M |
| Property, plant & equipment (net) | $15.1M | $15.5M | $5.1M | $3.4M | $3.3M | $4.5M | $6.1M | $3.0M | $2.6M | $2.2M |
| Goodwill & intangible assets | $39.2M | $36.9M | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Long-term investments | $229.1M | $223.6M | $208.3M | $252.5M | $184.7M | $99.8M | $60.8M | $46.9M | $54.0M | $48.0M |
| Other non-current assets | $3.04B | $2.61B | $1.86B | $1.55B | $1.50B | $1.52B | $1.18B | $971.3M | $861.4M | $770.2M |
| Total assets | $3.61B | $3.21B | $2.23B | $2.12B | $2.06B | $1.88B | $1.43B | $1.11B | $1.03B | $905.6M |
| Liabilities | ||||||||||
| Accounts payable | $8.7M | $9.4M | $5.6M | $1.0M | $473,000 | $1.1M | $1.8M | $1.6M | $1.1M | $776,346 |
| Short-term debt | — | — | $1.2M | $10.0M | $10.0M | $10.0M | $13.3M | $169,000 | $13.1M | $11.4M |
| Deferred revenue | — | — | −$5.6M | — | — | — | — | −$859.7M | −$848.3M | −$479.4M |
| Total current liabilities | $2.25B | $2.77B | $1.90B | $1.77B | $1.81B | $1.66B | $1.23B | $1.4M | $919.0M | $803.1M |
| Long-term debt | $52.1M | $34.1M | $49.1M | $12.1M | $12.1M | $14.0M | $15.4M | $13.4M | $17.4M | $17.3M |
| Other long-term liabilities | $903.0M | $46.4M | $20.7M | $118.5M | $37.7M | $40.0M | $51.6M | $4.2M | $9.5M | $14.4M |
| Total liabilities | $3.20B | $2.85B | $1.97B | $1.90B | $1.86B | $1.72B | $1.29B | $990.5M | $945.9M | $834.9M |
| Shareholders' equity | ||||||||||
| Common stock & paid-in capital | $164,000 | $167,000 | $139,000 | $141,000 | $140,000 | $138,000 | $139,000 | $137,000 | $115,000 | $111,447 |
| Retained earnings (deficit) | $286.7M | $237.8M | $213.3M | $182.4M | $144.5M | $106.9M | $81.6M | $65.7M | $53.2M | $46.1M |
| Accumulated other comprehensive income | −$5.8M | −$11.5M | −$13.1M | −$16.8M | −$1.1M | $1.7M | $13,000 | −$595,000 | −$247,000 | −$31,263 |
| Total shareholders' equity | $402.0M | $355.1M | $254.9M | $224.0M | $197.9M | $159.3M | $133.3M | $114.6M | $80.1M | $70.7M |
| Key figures | ||||||||||
| Total debt | $52.1M | $34.1M | $49.1M | $129.1M | $34.1M | $36.0M | $47.6M | $19.4M | $30.6M | $33.0M |
| Net cash (debt) | $208.9M | $273.9M | $89.1M | $183.1M | $330.1M | $208.3M | $126.2M | $60.0M | $72.0M | $49.0M |
| Working capital | −$1.96B | −$2.45B | −$1.75B | −$1.45B | −$1.44B | −$1.41B | −$1.05B | $82.4M | −$811.1M | −$718.0M |
| Tangible book value | $362.8M | $318.2M | $254.9M | $224.0M | $197.9M | $159.3M | $133.3M | $114.6M | $80.1M | $70.7M |
| Book value per share | $24.37 | $24.26 | $18.10 | $15.60 | $14.05 | $11.54 | $9.54 | $9.19 | $6.09 | $5.38 |
| Shares outstanding | 16.5M | 14.6M | 14.1M | 14.4M | 14.1M | 13.8M | 14.0M | 12.5M | 13.2M | 13.2M |
| Current ratio | 0.13 | 0.12 | 0.08 | 0.18 | 0.21 | 0.15 | 0.15 | 60.05 | 0.12 | 0.11 |
| Quick ratio | 0.13 | 0.12 | 0.08 | 0.18 | 0.21 | 0.15 | 0.15 | 60.05 | 0.12 | 0.11 |
| Debt / equity | 0.13 | 0.10 | 0.19 | 0.58 | 0.17 | 0.23 | 0.36 | 0.17 | 0.38 | 0.47 |
| Equity / assets | 11.1% | 11.1% | 11.4% | 10.5% | 9.6% | 8.5% | 9.3% | 10.4% | 7.8% | 7.8% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||||
| Cash & short-term investments | $244.7M | $250.7M | $261.0M | $420.4M | $402.7M | $384.3M | $308.0M | $365.3M | $344.4M | $287.4M | $138.2M | $350.2M |
| Cash & equivalents | $24.8M | $20.2M | $30.9M | $188.8M | $274.5M | $293.9M | $205.3M | $156.6M | $136.5M | $85.1M | $53.6M | $144.2M |
| Short-term investments | $219.9M | $230.5M | $230.1M | $231.6M | $128.1M | $90.4M | $102.7M | $208.7M | $207.9M | $202.3M | $84.6M | $206.1M |
| Receivables | $19.4M | $16.8M | $25.8M | $19.0M | $15.1M | $19.5M | $16.7M | $13.1M | $13.5M | $23.9M | $11.5M | $11.2M |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | −$2.17B | −$2.06B | $3.0M | −$157.4M |
| Other current assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $2.17B | $2.06B | $0 | $157.4M |
| Total current assets | $44.2M | $37.0M | $286.8M | $439.5M | $417.8M | $403.8M | $324.6M | $378.4M | $357.9M | $311.3M | $149.7M | $361.5M |
| Property, plant & equipment (net) | $17.7M | $17.7M | $15.1M | $15.3M | $14.9M | $15.1M | $15.5M | $6.0M | $5.6M | $4.5M | $5.1M | $5.3M |
| Goodwill & intangible assets | $40.2M | $40.5M | $39.2M | $41.0M | $37.8M | $39.6M | $36.9M | $0 | $0 | $0 | $0 | $0 |
| Long-term investments | $219.9M | $229.6M | $229.1M | $231.6M | $228.9M | $213.5M | $223.6M | $208.7M | $207.9M | $202.3M | $208.3M | $206.1M |
| Other non-current assets | $3.57B | $3.48B | $3.04B | $2.66B | $2.69B | $2.68B | $2.61B | $1.97B | $1.87B | $1.81B | $1.86B | $1.70B |
| Total assets | $3.89B | $3.81B | $3.61B | $3.39B | $3.39B | $3.35B | $3.21B | $2.56B | $2.44B | $2.32B | $2.23B | $2.27B |
| Liabilities | ||||||||||||
| Accounts payable | $6.6M | $8.9M | $8.7M | $8.0M | $8.2M | $10.0M | $9.4M | $8.5M | $6.6M | $6.0M | $5.6M | $5.2M |
| Short-term debt | — | $51.4M | — | — | — | $1.6M | $24.0M | $30.2M | $11.0M | $665,000 | $1.2M | $621,000 |
| Deferred revenue | — | — | — | — | — | — | — | — | −$6.6M | −$6.0M | −$5.6M | $4.6M |
| Total current liabilities | $51.5M | $51.4M | $2.25B | $2.92B | $2.95B | $2.90B | $2.77B | $2.19B | $2.11B | $2.01B | $1.90B | $1.97B |
| Long-term debt | $52.1M | $52.1M | $52.1M | $34.1M | $34.1M | $34.1M | $34.1M | $64.1M | $44.1M | $34.1M | $49.1M | $34.1M |
| Other long-term liabilities | $3.42B | $3.30B | $903.0M | $40.5M | $25.7M | $44.8M | $46.4M | $21.9M | $19.7M | $19.0M | $20.7M | $22.4M |
| Total liabilities | $3.47B | $3.40B | $3.20B | $2.99B | $3.01B | $2.98B | $2.85B | $2.28B | $2.17B | $2.06B | $1.97B | $2.03B |
| Shareholders' equity | ||||||||||||
| Common stock & paid-in capital | $163,000 | $163,000 | $164,000 | $166,000 | $166,000 | $167,000 | $167,000 | $139,000 | $139,000 | $139,000 | $139,000 | $139,000 |
| Retained earnings (deficit) | $315.1M | $302.8M | $286.7M | $274.0M | $261.1M | $249.9M | $237.8M | $233.0M | $225.8M | $218.7M | $213.3M | $206.0M |
| Accumulated other comprehensive income | −$6.3M | −$6.4M | −$5.8M | −$6.8M | −$8.1M | −$9.2M | −$11.5M | −$8.6M | −$13.1M | −$13.6M | −$13.1M | −$17.8M |
| Total shareholders' equity | $422.2M | $408.9M | $402.0M | $394.8M | $380.0M | $369.6M | $355.1M | $280.1M | $267.9M | $259.5M | $254.9M | $242.9M |
| Key figures | ||||||||||||
| Total debt | $52.1M | $59.6M | $52.1M | $34.1M | $34.1M | $34.1M | $34.1M | $64.1M | $44.1M | $34.1M | $49.1M | $34.1M |
| Net cash (debt) | $192.7M | $191.1M | $208.9M | $386.4M | $368.6M | $350.3M | $273.9M | $301.3M | $300.3M | $253.3M | $89.1M | $316.2M |
| Working capital | −$7.3M | −$14.4M | −$1.96B | −$2.48B | −$2.53B | −$2.50B | −$2.45B | −$1.82B | −$1.75B | −$1.70B | −$1.75B | −$1.61B |
| Tangible book value | $382.0M | $368.4M | $362.8M | $353.8M | $342.3M | $329.9M | $318.2M | $280.1M | $267.9M | $259.5M | $254.9M | $242.9M |
| Book value per share | $25.79 | $24.87 | $24.37 | $23.44 | $22.62 | $21.84 | $21.23 | $20.08 | $19.28 | $18.64 | $18.22 | $17.32 |
| Shares outstanding | 16.4M | 16.4M | 16.5M | 16.8M | 16.8M | 16.9M | 16.7M | 14.0M | 13.9M | 13.9M | 14.0M | 14.0M |
| Current ratio | 0.86 | 0.72 | 0.13 | 0.15 | 0.14 | 0.14 | 0.12 | 0.17 | 0.17 | 0.15 | 0.08 | 0.18 |
| Quick ratio | 5.13 | 5.20 | 0.13 | 0.15 | 0.14 | 0.14 | 0.12 | 0.17 | 0.17 | 0.15 | 0.08 | 0.18 |
| Debt / equity | 0.12 | 0.15 | 0.13 | 0.09 | 0.09 | 0.09 | 0.10 | 0.23 | 0.16 | 0.13 | 0.19 | 0.14 |
| Equity / assets | 10.9% | 10.7% | 11.1% | 11.6% | 11.2% | 11.0% | 11.1% | 10.9% | 11.0% | 11.2% | 11.4% | 10.7% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported (latest annual report filed March 16, 2026); data from EODHD.
CBNK financial position
At the end of fiscal 2025 (December 31, 2025), Capital Bancorp had total assets of $3.6 billion (up 12.5% from a year earlier), total liabilities of $3.2 billion and shareholders' equity of $402.0 million. It held $261.0 million in cash and short-term investments against $52.1 million of debt, a net cash position of $208.9 million. Its current ratio was 0.13. In the latest quarter (ended June 30, 2026) total assets were $3.9 billion and equity $422.2 million.
Related: CBNK income statement, CBNK cash flow statement, CBNK key metrics. See the CBNK stock overview for the latest quote and news.
CBNK balance sheet FAQ
What are Capital Bancorp's total assets?
Capital Bancorp reported total assets of $3.6 billion at the end of fiscal 2025 (December 31, 2025), compared with $3.2 billion a year earlier.
How much debt does Capital Bancorp have?
Capital Bancorp had $52.1 million of total debt at the end of fiscal 2025, including short-term borrowings. Its debt-to-equity ratio was 0.13.
How much cash does Capital Bancorp have?
Capital Bancorp held $261.0 million in cash and short-term investments at the end of fiscal 2025; with $52.1 million of debt that is net cash of $208.9 million.
What is Capital Bancorp's book value?
Capital Bancorp's shareholders' equity (book value) was $402.0 million at the end of fiscal 2025, or $24.37 per share.
What is Capital Bancorp's current ratio?
Capital Bancorp had current assets of $286.8 million and current liabilities of $2.2 billion, a current ratio of 0.13 (current liabilities exceed current assets).
How much goodwill does Capital Bancorp have?
Capital Bancorp carried $39.2 million of goodwill and intangible assets, 1.1% of total assets, at the end of fiscal 2025.