Investor Presentaiton
Forward Looking Statements
The statements contained in this presentation that are not historical facts are forward-looking statements based on management's current expectations and beliefs concerning
future developments and their potential effects on Capital Bancorp, Inc. (the "Company" or "Capital") including, without limitation, plans, strategies and goals, and statements
about the Company's expectations regarding revenue and asset growth, financial performance and profitability, loan and deposit growth, yields and returns, loan diversification
and credit management, and shareholder value creation. These statements are often, but not always, made through the use of words or phrases such as "outlook," "believes,"
"expects," "potential," "continues," "may," "will," "could," "should," "seeks," "projects", "can", "ongoing", "approximately," "predicts," "intends," "plans," "estimates," "anticipates" or
the negative version of those words or other comparable words. Such statements involve inherent risks and uncertainties, many of which are difficult to predict and are generally
beyond the control of the Company. The inclusion of or reference to forward-looking information in this presentation should not be regarded as a representation by Capital or any
other person that the future plans, estimates or expectations contemplated by the Company will be achieved. Any or all of the forward-looking statements in (or conveyed orally
regarding) this presentation may turn out to be inaccurate. Accordingly, you are cautioned not to place undue reliance on forward-looking statements and that any such forward-
looking statements are not guarantees of future performance and are subject to certain risks, uncertainties and assumptions that are difficult to predict. Although the Company
believes that the expectations reflected in such forward-looking statements are reasonable as of the date made, actual results may prove to be materially different from the
expected results expressed or implied by such forward-looking statements. While there is no assurance that any list of risks and uncertainties or risk factors is complete, below
are certain factors which could cause actual results to differ materially from those contained or implied in the forward-looking statements: changes in general economic, political,
or industry conditions; geopolitical concerns, including the ongoing war in Ukraine; the magnitude and duration of the COVID-19 pandemic and related variants and mutations
and their impact on the global economy and financial market conditions and our business, results of operations, and financial condition; uncertainty in U.S. fiscal and monetary
policy, including the interest rate policies of the Board of Governors of the Federal Reserve System; inflation/deflation, interest rate, market, and monetary fluctuations; volatility
and disruptions in global capital and credit markets; the transition away from USD LIBOR and uncertainty regarding potential alternative reference rates, including SOFR;
competitive pressures on product pricing and services; success, impact, and timing of our business strategies, including market acceptance of any new products or services; the
impact of changes in financial services policies, laws, and regulations, including those concerning taxes, banking, securities, and insurance, and the application thereof by
regulatory bodies; cybersecurity threats and the cost of defending against them, including the costs of compliance with potential legislation to combat cybersecurity at a state,
national, or global level; and other factors that may affect our future results. Additional factors that could cause actual results to differ materially from those expressed in the
forward-looking statements are discussed in the Company's 2022 Annual Report on Form 10-K and other periodic and current reports filed with the Securities and Exchange
Commission ("SEC") and available at the SEC's Internet site (http://www.sec.gov). Unless otherwise required by law, Capital also disclaims any obligation to update its view of
any such risks or uncertainties or to announce publicly the result of any revisions to the forward-looking statements made in this presentation.
Except as otherwise indicated, this presentation speaks as of the date hereof. The delivery of this presentation shall not, under any circumstances, create any implication that
there has been no change in the affairs of Capital after the date hereof.
Certain of the information contained herein may be derived from information provided by industry sources. The Company believes that such information is accurate and that the
sources from which it has been obtained are reliable. Capital cannot guarantee the accuracy of such information, however, and has not independently verified such information.
While Capital is not aware of any misstatements regarding the industry data presented in this presentation, Capital's estimates involve risks and uncertainties and are subject to
change based on various factors. Similarly, Capital believes that its internal research is reliable, even though such research has not been verified by independent sources.
This presentation may include certain non-GAAP financial measures intended to supplement, not substitute for, comparable GAAP measures. These non-GAAP financial
measures should not be considered in isolation, and should be considered as additions to, and not substitutes for or superior to, measures of financial performance prepared in
accordance with GAAP. There are a number of limitations related to the use of these non-GAAP financial measures versus their nearest GAAP equivalents. For example, other
companies may calculate non-GAAP financial measures differently or may use other measures to evaluate their performance, all of which could reduce the usefulness of the
Company's non-GAAP financial measures as tools for comparison. If included in this presentation, see the Appendix to this presentation for a reconciliation of the non-GAAP
financial measures used in (or conveyed orally during) this presentation to their most directly comparable GAAP financial measures.
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