Investor Presentaiton

Distinctive Investment Opportunity llu Track Record of Leveraging Technology to Execute Innovation-Focused Business Plan • • Investments in proprietary technology, data analytics and digital marketing Scalable OpenSkyⓇ and Capital Bank Home Loans infrastructure Continued investment and talent acquisitions to bolster innovation capabilities Growth and Diversified Revenue Generation Drive Superior Profitability • Organic growth has consistently exceeded community banking peers • OpenSkyⓇ drives high non-interest income and provides resiliency during economically stressed periods Asset growth and differentiated businesses drive margins, profitability and book value Experienced Entrepreneurial Management Team . • • Experts in their fields combining large bank and community bank skills to scale the business Capabilities in data, analytics, marketing and technology Significant (>30%) board and management ownership До Operate in Exceptional Market . . • The D.C. and Baltimore MSAs comprise one of the largest and wealthiest regions in the U.S Opportunities for customer and talent acquisition created by consolidation Market historically insulated from economic downturns by federal government presence and provides core profitability to invest in Digital Challenger Bank expansion Strong Balance Sheet and Robust Capital Positions • . Stable credit performance and track record Well-reserved portfolio and robust capital to provide support in economic downturn and finance continued growth CAPITAL BANCORP, INC. 5

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