Capital Bancorp, Inc. (316)

Overview

Capital Bancorp, Inc., established in 1974, functions as the holding company for Capital Bank, N.A. This entity provides a broad range of banking solutions primarily to businesses, not-for-profit associations, and entrepreneurs across Maryland, Virginia, and the District of Columbia. Capital Bancorp, Inc. distinguishes itself by operating across three key segments: Commercial Banking, Capital Bank Home Loans, and OpenSky, offering a diverse range of financial products and services tailored to meet the specific needs of its clients. With its headquarters in Rockville, Maryland, the company has solidified its presence in the region, promoting financial growth and stability for its clients.

Products and Services

The portfolio of products and services offered by Capital Bancorp, Inc. is diverse, catering to the varying needs of its clientele. These include:

• Deposit Products: This range encompasses checking and savings accounts, time deposits, interest and noninterest-bearing demand accounts, money market accounts, and certificates of deposit. These products are designed to provide clients with safe and convenient options for managing their funds.
• Credit Cards: The company issues credit cards, offering a flexible financial solution for its clients' purchasing needs and enabling efficient fund management.
• Residential Mortgages: For individuals seeking to purchase or refinance homes, Capital Bancorp originates residential mortgage loans, providing tailored options to fit various homeowner needs.
• Trust Preferred Securities: They issue trust preferred securities, presenting an option for investors looking for stable and predictable returns on their investments.
• Real Estate, Construction, and Commercial and Industrial Loans: Offering a comprehensive suite of loan products for residential and commercial real estate, construction projects, and commercial and industrial operations, the company serves as a key financial partner for businesses and professionals. These loans are crucial for supporting the growth and expansion of small to medium-sized businesses, real estate investors, and small residential builders.
• Other Consumer Loans: Beyond the business-focused offerings, Capital Bancorp also facilitates various consumer loans including term loans, car loans, and boat loans. These are designed to meet the personal financing needs of individuals, enabling them to make significant purchases or investments.