Capital Bancorp is a bank holding company based in Rockville, Maryland, operating through Capital Bank, N.A. The company runs two core businesses: traditional commercial banking and OpenSky, a national digital secured credit card platform. The commercial banking business serves businesses, entrepreneurs, and nonprofits across a corridor from Raleigh through the Washington, D.C. and Baltimore metro areas to Delaware, with additional offices in Chicago and Fort Lauderdale. Products include C&I loans, commercial real estate, construction, and government-guaranteed SBA and USDA loans. Capital Bancorp has also built specialized national deposit verticals serving HOAs, title companies, PACs, and nonprofits. OpenSky targets under-banked and credit-rebuilding consumers: customers deposit $100–$3,000 to collateralize a matching credit line, avoiding a credit check, and can graduate to unsecured cards over time. Capital Bancorp also operates two smaller segments: Capital Bank Home Loans, a residential mortgage origination business that sells most loans into the secondary market; and Windsor Advantage, acquired in 2024, which provides outsourced SBA and USDA loan servicing and packaging to community banks and credit unions on a fee basis. Capital Bancorp earns primarily through net interest income, with OpenSky being particularly attractive because cardholder deposits are non-interest-bearing while credit card balances earn high variable rates. Fee income comes from government-guaranteed loan gain-on-sale, Windsor Advantage servicing fees, and mortgage banking.