HIGHBuilt-inGeographic
78.5%
Maryland, Virginia, Delaware and Washington, D.C.
“10-K Item 1: 'Approximately 78.5% of CBHL loan originations by volume occur within Maryland, Virginia, Delaware and Washington, D.C.'”
CBNK · Concentration risk · 10-K extracted
Capital Bancorp (CBNK) concentration risks
Updated
The most significant concentration Capital Bancorp discloses is Maryland, Virginia, Delaware and Washington, D.C. at 78.5%, classified HIGH by disclosed size. Below: the full set from the latest 10-K — verbatim quotes, filing references, and a synthesis of what these exposures mean together.
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Source: Capital Bancorp’s SEC Form 10-K filed — view the filing on SEC EDGAR ↗
At a glance
Disclosed-size breakdown · 3 disclosed concentrations
HIGH1
MEDIUM2
LOW0
Disclosed concentrations
Each card carries a disclosed-size chip (HIGH / MEDIUM / LOW — how large the exposure is as a share of revenue, not how dangerous it is) and a nature tag: Built-in(the company’s own model, geography, or products) or Outside party (an external customer, supplier, or distributor it relies on).
MEDIUMBuilt-inLoan_portfolio
40.9%
uninsured deposits
“10-K Item 1A: 'approximately 40.9% of our deposits were uninsured and 59.1% of our deposits were insured'”
MEDIUMBuilt-inGeographic
Washington, D.C. and Baltimore metropolitan areas
“10-K Item 1A: 'Our commercial business and operations are concentrated in the greater Washington, D.C. and Baltimore metropolitan areas and we are sensitive to adverse changes in the local economy.'”
TrendMatrix Research · concentration synthesis
What these concentrations mean together
updated 2026-07-06Capital Bancorp's concentration exposures are geographic and funding-related rather than counterparty-specific. Approximately 78.5% of loan originations by volume at its CBHL subsidiary occur within Maryland, Virginia, Delaware, and Washington, D.C. — a high-band structural exposure — while the bank's broader commercial business is concentrated in the greater Washington, D.C. and Baltimore metropolitan areas, a medium-band structural exposure. Together these tie a large share of loan performance to a single mid-Atlantic regional economy rather than a nationally diversified footprint. On funding, approximately 40.9% of deposits were uninsured, with 59.1% insured — a medium-band structural exposure that is a function of the bank's deposit mix rather than a specific depositor relationship. None of the disclosed exposures are dependency-type on a named customer or supplier, so the risk here centers on regional economic conditions and depositor behavior rather than the loss of any one counterparty. A downturn concentrated in the D.C./Baltimore corridor, or a broader shift in confidence affecting uninsured deposits, would be the more likely channel through which these concentrations could move results.
For the engine’s reasoning on CBNK’s current verdict — including which dimensions drove the score — see the per-dimension breakdown.
Industry peers · Banks - Regional
Peer concentration profile
| Symbol | Name | HIGH | MEDIUM | LOW | Total |
|---|---|---|---|---|---|
| AMAL | Amalgamated Financial Corp. | 2 | 1 | 0 | 3 |
| CBNK● | Capital Bancorp, Inc. | 1 | 2 | 0 | 3 |
| ACNB | ACNB Corporation | 1 | 1 | 0 | 2 |
| ALRS | Alerus Financial Corporation | 1 | 1 | 0 | 2 |
| AMTB | Amerant Bancorp Inc. | 0 | 1 | 1 | 2 |
| ABCB | Ameris Bancorp | 0 | 0 | 0 | 0 |
Concentration counts reflect items disclosed in each peer’s most recent 10-K; disclosed-size classification uses TrendMatrix’s internal 10-K extraction taxonomy.