Change in Registrant's Certifying Accountant. On August 14, 2026, Capital Bancorp, Inc., a Maryland corporation (the “Company”) dismissed Elliott Davis, PLLC as the Company’s independent registered public accounting firm, and informed Crowe LLP that the Audit Committee of the Company’s Board of Directors had approved the selection of Crowe LLP as the Company’s independent registered public accounting firm for the fiscal year ending December 31, 2026. The dismissal of Elliott Davis, PLLC was a…

Results of Operations and Financial Disclosure On July 27, 2026 , Capital Bancorp, Inc. (the “Company”) issued a press release announcing the Company’s unaudited financial results for the three and six months ended June 30, 2026. A copy of the press release is furnished as Exhibit 99.1 to this Current Report on Form 8-K and hereby incorporated by reference. A presentation regarding the Company's financial results for the three and six months ended June 30, 2026 is furnished as Exhibit 99.2 an…

Other Events On July 24, 2026, the Company's Board of Directors declared a $0.14 per share dividend, a 16.7% increase from the prior quarterly dividend. The dividend is payable on August 26, 2026 to stockholders of record on August 10, 2026.

Results of Operations and Financial Disclosure On April 27, 2026 , Capital Bancorp, Inc. (the “Company”) issued a press release announcing the Company’s unaudited financial results for the three months ended March 31, 2026. A copy of the press release is furnished as Exhibit 99.1 to this Current Report on Form 8-K and hereby incorporated by reference. A presentation regarding the Company's financial results for the three months ended March 31, 2026 is furnished as Exhibit 99.2 and incorporate…

Other Events On April 24, 2026, the Company's Board of Directors declared a $0.12 per share dividend, payable on May 27, 2026 to stockholders of record on May 11, 2026.

Other Events On March 16, 2026, Capital Bancorp, Inc.'s (the "Company"), the bank holding company for Capital Bank, N.A., new stock repurchase program became effective. Under the stock repurchase program, the Company is authorized to repurchase up to $15 million of its common stock, par value $0.01 per share ("Common Stock") or an aggregate of 550,000 shares of Common Stock. The shares authorized to be repurchased represent approximately 3.4% of its issued and outstanding Common Stock as of D…

President and Chief Executive Officer of the Bank and Chief Operating Officer of the Company — Steven M. Poynot: Mr. Poynot's new employment agreement was signed, providing details on his compensation and benefits.

Other Events. On January 23, 2026, the Company's Board of Directors declared a $0.12 per share dividend, payable on February 25, 2026 to stockholders of record on February 9, 2026. SIGNATURES Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. CAPITAL BANCORP, INC. Date: January 28, 2026 By: /s/ Jacob Dalaya Name: Jacob Dalaya Title: Chief Financial Officer 3

Results of Operations and Financial Disclosure On January 26, 2026 , Capital Bancorp, Inc. (the “Company”) issued a press release announcing the Company’s unaudited financial results for the three months and year ended December 31, 2025. A copy of the press release is furnished as Exhibit 99.1 to this Current Report on Form 8-K and hereby incorporated by reference. A presentation regarding the Company's financial results for the three months and year ended December 31, 2025 is furnished as Ex…

Other Events On January 23, 2026, the Company's Board of Directors declared a $0.12 per share dividend, payable on February 28, 2026 to stockholders of record on February 9, 2026.

Chief Executive Officer — Edward F. Barry: Mr. Barry's role and responsibilities were expanded, with a new employment agreement that emphasizes strategic oversight and leadership.

Class II director — Mark Caplan: Mr. Mark Caplan was appointed as a Class II director on the Company's Board.

Chief Financial Officer — Jacob Dalaya: Jacob Dalaya was promoted to Chief Financial Officer.

Other Events. On October 28, 2025, Capital Bancorp, Inc. (the “Company”) provided notice to the holders of the Company’s 5.00% Fixed-to-Floating Rate Subordinated Notes due November 30, 2030 (the “Subordinated Notes”) that the Company will redeem all outstanding Subordinated Notes on November 30, 2025. The current outstanding balance of the Subordinated Notes is $10,000,000. The redemption price for the Subordinated Notes will be equal to 100% of the principal amount of the Subordinated Notes…

Other Events On October 24, 2025, the Company's Board of Directors declared a $0.12 per share dividend, payable on November 26, 2025 to stockholders of record on November 10, 2025.

Results of Operations and Financial Disclosure On October 27, 2025 , Capital Bancorp, Inc. (the “Company”) issued a press release announcing the Company’s unaudited financial results for the three and nine months ended September 30, 2025. A copy of the press release is furnished as Exhibit 99.1 to this Current Report on Form 8-K and hereby incorporated by reference. A presentation regarding the Company's financial results for the three and nine months ended September 30, 2025 is furnished as…

Chief Financial Officer — Dominic C. Canuso: Mr. Canuso resigned to pursue another opportunity.

Other Events On July 25, 2025, the Company's Board of Directors declared a $0.12 per share dividend, a 20% increase from the prior quarterly dividend. The dividend is payable on August 27, 2025 to stockholders of record on August 11, 2025.

Results of Operations and Financial Disclosure On July 28, 2025 , Capital Bancorp, Inc. (the “Company”) issued a press release announcing the Company’s unaudited financial results for the three and six months ended June 30, 2025. A copy of the press release is furnished as Exhibit 99.1 to this Current Report on Form 8-K and hereby incorporated by reference. A presentation regarding the Company's financial results for the three and six months ended June 30, 2025 is furnished as Exhibit 99.2 an…

Compensatory arrangements for certain officers were amended to increase their maximum annual incentive opportunities.

Other Events On April 25, 2025, the Company's Board of Directors declared a $0.10 per share dividend, payable on May 28, 2025 to stockholders of record on May 12, 2025.

Results of Operations and Financial Disclosure On April 28, 2025 , Capital Bancorp, Inc. (the “Company”) issued a press release announcing the Company’s unaudited financial results for the three months ended March 31, 2025. A copy of the press release is furnished as Exhibit 99.1 to this Current Report on Form 8-K and hereby incorporated by reference. A presentation regarding the Company's financial results for the three months ended March 31, 2025 is furnished as Exhibit 99.2 and incorporate…

Other Events On February 21, 2025, the Capital Bancorp, Inc. (the "Company"), the bank holding company for Capital Bank, N.A. (the "Bank"), announced that its Board of Directors (the "Board") approved a new stock repurchase program. Under the stock repurchase program, the Company is authorized to repurchase up to $15 million of its common stock, par value $0.01 per share ("Common Stock") or an aggregate of 483,559 shares of Common Stock based on the closing price of the Company's Common Stock…

Results of Operations and Financial Disclosure On January 27, 2025 , Capital Bancorp, Inc. (the “Company”) issued a press release announcing the Company’s unaudited financial results for the three months and year ended December 31, 2024. A copy of the press release is furnished as Exhibit 99.1 to this Current Report on Form 8-K and hereby incorporated by reference. A presentation regarding the Company's financial results for the three months ended December 31, 2024 is furnished as Exhibit 99.…

Other Events On January 24, 2025, the Company's Board of Directors declared a $0.10 per share dividend, payable on February 26, 2025 to stockholders of record on February 10, 2025.