Capital Bancorp, Inc.

Capital Bancorp, Inc. is a bank holding company, operating primarily through its wholly owned subsidiary, Capital Bank, N.A. (Capital Bank), a commercial-focused community bank. Capital Bank operates three divisions: Commercial Banking, Capital Bank Home Loans, and OpenSky. Its Commercial Banking division operates in the Washington, D.C. and Baltimore metropolitan areas and focuses on providing personalized service to commercial clients throughout its area of operations. Capital Bank Home Loans and OpenSky both leverage Capital Bank's national banking charter to operate as national consumer business lines; Capital Bank Home Loans acts as its residential mortgage origination platform and OpenSky provides nationwide, digitally-based, unsecured credit cards as well as secured credit cards to under-banked populations and those looking to rebuild their credit scores. It operates a branch-lite model through four commercial bank branches, one mortgage office and two loan production offices.