Capital Bancorp, Inc. is a bank holding company operating through Capital Bank, N.A., a commercial-focused community bank serving businesses, not-for-profit organizations, entrepreneurs, and individuals across the Washington, D.C., Baltimore, and mid-Atlantic regions. The company generates revenue through four core divisions: commercial banking (offering relationship-driven lending, commercial real estate, SBA/USDA government-guaranteed loans, and specialized deposit services nationwide); residential mortgage origination for secondary market sale; OpenSky, a digital platform providing secured and unsecured credit cards to underbanked and credit-rebuilding customers; and Windsor Advantage, an outsourced SBA and USDA lending platform serving community banks and credit unions. Revenue derives from net interest income on loans and deposits, loan origination gains, credit card fees and interest, mortgage and government loan servicing fees, and deposit fees, with recurring income from retained servicing rights and non-guaranteed loan portions.