Capital Bancorp, Inc. · NASDAQ:CBNK

Capital Bancorp — Investor Presentation (September 2023)

6 slides from Capital Bancorp's investor presentation, Sep 12, 2023

  1. Slide 1: Investor Overview 2Q 2023

    © CAPITAL BANCORP, INC. 2Q 2023 Investor Overview

  2. Slide 2: Forward Looking Statements

    Forward Looking Statements The statements contained in this presentation that are not historical facts are forward-looking statements based on management’s current expectations and beliefs concerning future developments and their potential effects on Capital Bancorp, Inc. (the “Company” or “Capital”

  3. Slide 3: Financial Highlights and Corporate Timeline

    Corporate Headquarters - Rockville, MD Balance Sheet ($M, except per share amounts) Unaudited June 30, 2023 QoQ Result 1 YoY Result Assets $ 2,228 (0.8) % 3.4 % Portfolio Loans 1,845 2.9 % 14.2 % Deposits 1,934 (0.5) % 2.4 % Quarterly Financial Performance Earnings per Share, Diluted $ 0.52 (23.7) %

  4. Slide 4: Digital Challenger Bank with Diversified Lines of Business

    Digital Challenger Bank with Diversified Lines of Business • Initial lead product - nationwide, secured credit card to help under-banked customers (re)establish their credit • Secured and unsecured credit card availability to customers • Building capabilities to cross-sell products and services as c

  5. Slide 5: 255 255 255 94 94 94 235 235 235 31 73 125 5 •

    0 72 122 73 143 207 226 178 9 0 153 153 0 102 116 0 196 187 255 255 255 94 94 94 235 235 235 31 73 125 5 • Organic growth has consistently exceeded community banking peers • OpenSky® drives high non-interest income and provides resiliency during economically stressed periods • Asset growth and diffe

  6. Slide 6: Technology facilitates growth and profitability

    0 72 122 73 143 207 226 178 9 0 153 153 0 102 116 0 196 187 255 255 255 94 94 94 235 235 235 31 73 125 • OpenSky® mobile app enabling cost- effective customer acquisition and servicing • Proprietary data, credit scoring (B- Score), and algorithms improving customer retention with unsecured credit in

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