Investor Presentaiton

Capital Bancorp, Inc. (NASDAQ-CBNK) Financial Highlights Corporate Headquarters - Rockville, MD Balance Sheet ($M, except per share amounts) Assets Portfolio Loans Deposits $ Unaudited QoQ 1 June 30, 2023 Result YOY Result 2,228 (0.8)% 3.4 % 1,845 2.9% 14.2 % 1,934 (0.5)% 2.4 % Footprint Gaithersburg 28 355 Rockville Columbia Glen Burnie 695 Bethesda Silver Spring Bowie Annapolis Washington 50 Quarterly Financial Performance Fairfax Earnings per Share, Diluted $ 0.52 (23.7)% (35.3)% 495 Alexandria 295 495 Branch Corporate HQ OpenSky Mortgage LPO 1.34 % ROAA -50 bps -70 bps Manassas DC-MD-VA ROATCE 12.30 % -468 bps -986 bps 146 Tangible Book Value per Share $ 16.98 Efficiency Ratio 2.0 % 14.8 % 263 Maple Glen Horsham Phoenix 70.41 % 573 bps 841 bps 145 Woodmont Jacksonville 145 309 Jarrettown Westbury 276 Net Interest Margin Net Interest Margin, excluding credit cards & SBA-PPP Loans Corporate Timeline 6.63% -2 bps -43 bps Maryland Pennsylvania 4.06 % 25 bps 20 bps 1999 Founded as Harbor Capital National Bank 2002 2011 2012 2017 2018 2020 2021 2022 Recapitalized by investor group led by Stephen Ashman Acquired three failed institutions including OpenSkyⓇ CEO Ed Barry joined Capital Bank CAPITAL BANCORP, INC. 1 Results comparing current quarter with immediately prior quarter Assets exceed $1 billion Successful IPO and inclusion in R2000 OpenSkyⓇ accounts exceed 168,000 Originated $371 million SBA-PPP loans (2020 & 2021) $40MM net income, dividend initiated, assets exceed $2 billion Capital Bank reports OpenSkyⓇ accounts exceed 700,000 record year-to- date earnings 3

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