Capital Bank, N.A.

Q4, 2025 Earnings Release: Capital Bancorp, Inc. reports record earnings, double-digit balance sheet growth and a 1.71% ROA. Read the full report here:

Is your investment strategy stuck in the “cows and plows” myth? Many businesses assume USDA rural funding is limited to remote farmland. In reality, the USDA definition of “rural” is broader than most people think. As federal REAP incentives for rural solar projects are being reduced and becoming less predictable, many investors and operators are shifting their focus toward active, job-creating industrial projects. We just released a new deep dive on Rural Re-Industrialization and how to take advantage of this shift. Read the full breakdown here: https://lnkd.in/eg3HPrsu

Please join us in welcoming Luis Landaverde (NMLS#1057155) to the Capital Bank Home Loans team in Hagerstown!   With more than 20 years of experience helping individuals and families navigate their home financing needs, Luis brings unmatched expertise, integrity, and care to every client he serves. We’re thrilled to have him supporting our Maryland footprint and beyond and can’t wait to see the positive impact he’ll make.

A new fraud scam is emerging that targets businesses by impersonating bank fraud departments and exploiting multi-factor authentication. According to the American Land Title Association (ALTA), settlement and real estate firms are seeing increased activity, but this tactic is not limited to one industry. How the Scam Works: • Fraudsters pose as a bank’s fraud department and claim there is suspicious account activity • They request login credentials or MFA codes to “verify” the issue • Once information is shared, unauthorized wires may be initiated   Why this is especially dangerous: • Caller ID may be spoofed to appear as a legitimate bank number • Calls may be preceded by fake fraud alert text messages • Criminals may reference partial internal details to appear credible   Important reminder: Capital Bank will never ask for your login credentials or MFA codes.
 If you receive a call claiming to be from your bank and something does not feel right, hang up immediately. Contact your Relationship Manager or call your local Capital Bank branch using a known, trusted phone number. #FraudAlert #BusinessSecurity #WireFraud #CyberAwareness #CapitalBank

The "easy money" era for rural landowners is officially over. That is the hard truth we tackle in Episode 004 of Pick Up! Pick Up!. With the sunset of the REAP program, the administration has cut solar incentives at what many are calling an inopportune time. But investors cannot afford to take their ball and go home. You have to look at where the resources are moving. The federal focus has shifted entirely toward onshoring and domestic manufacturing. This isn't a magic bullet. Reshoring is complicated. However, as we discuss in this episode, it is currently the most effective vehicle for true rural revitalization. We brought in the expert's expert to explain the playbook. John Molinaro joined us to break down the reality of rural re-industrialization. John isn't just talking theory. After helping add 30,000 jobs in rural Minnesota, he has spent years leading similar transformations in Appalachia, securing over $6 billion in investment. Along with Capital Bank’s Riddick Skinner, we cover: The Timing Mismatch: Why cutting solar incentives right as grid demand skyrockets makes the sunset of REAP particularly inopportune. USDA B&I 101: Why this program is the hidden engine for business, not just "cows and plows.” The Financing: How to use USDA guarantees to get higher leverage and longer terms for these projects. The "Danville Multiplier": A look at how a single battery plant in Danville, VA, drove hotel demand so high that room rates hit $400/night. The Hidden Workforce: Why the best talent for your facility is likely already living down the street, commuting an hour away. 📺 Watch on YouTube: https://lnkd.in/e3rMgRWv 🎧 Listen on Spotify: https://lnkd.in/eXkXcPk7 🎧 Listen on Apple Podcasts: https://lnkd.in/ecHUmv7T

The REAP era of USDA lending is over. The "Solar Sunset" is here. While the ending of solar funding comes at an inopportune time, the capital hasn't disappeared. It just pivoted. We are shifting from passive energy collection to active supply chain creation. In this episode, Capital Bank’s Riddick Skinner sits down with John Molinaro, an economic revitalization expert whose work has positively impacted generations in rural regions. They discuss why the "death" of solar incentives is actually the birth of a much bigger opportunity: Reshoring. John shares the blueprint for how this shift doesn't just build wealth. It brings the "Hidden Workforce" back home and has a multiplier effect that uplifts the entire local economy. This isn't just a theory. It is the new playbook for rural investment. Full episode drops tomorrow.

New Podcast Episode Now Live 🎙️ One-third of all home sales in the U.S. are cash transactions. Come March 2026, every single one of those deals will require a new level of scrutiny. This is the "FinCEN Freakout," and it is the focus of our latest episode of Pick Up! Pick Up!. FinCEN is expanding its anti-money laundering rules nationwide, requiring settlement agents to report the "beneficial owners" behind every entity or trust buying residential property for cash. The panic comes from the details. We are talking about 111 specific data points per report, including social security numbers and passport copies. But here is the truth: You do not need to freak out. As our guest Elizabeth Berg puts it, this feels overwhelming only because it is new. At the end of the day, it is just data collection. Host JJ Kaye joins Angela Saiz (SVP, Fiduciary Banking at Capital Bank) and Elizabeth J. Wysong Berg, ITP, NTP (VP, Education and Training at Fidelity National Financial) to help you turn that panic into a plan. They discuss: - The Mindset: Why we need to stop "freaking out" and view this as a manageable process change. - The Stakes: Why 7% of names in recent targeting orders were already under FBI investigation. - The Workflow: How to flag entities at order entry so you aren't scrambling at the closing table. Take a deep breath and get your team ready before the rule goes live. 🎧 Listen on Spotify: https://lnkd.in/eXkXcPk7 🎧 Listen on Apple Podcasts: https://lnkd.in/ecHUmv7T 📺 Watch on YouTube: https://lnkd.in/e8tkE_t3

111 data points per transaction. Federal reporting requirements. Asking clients for passport numbers. On paper, the new FinCEN rules look like a nightmare for settlement agents. We are calling it the "FinCEN Freakout." But it doesn't have to be. In reality? It is just data collection. In Episode 03 of Pick Up! Pick Up!, we are talking the industry off the ledge. Angela Saiz, Capital Bank’s SVP of Fiduciary Banking, and Elizabeth J. Wysong Berg, ITP, NTP, Fidelity National Financial's VP of Education and Training, join us to explain why this regulation isn't the crisis it seems to be, and how to handle it without stalling your closings. The full episode drops tomorrow, Tuesday, December 2nd.

The target for Small Disadvantaged Business contract spending is shifting from 15% back to 5%. For small government contractors, the safety net is shrinking. A massive review of the FAR means fewer sole-source awards and significantly more competition. You cannot rely on the old "Rule of Two" anymore. You need a new playbook. Our latest guide covers the strategies agile firms are using to adapt right now, including "shrink-wrapping" services and strategic partnering. Read the guide: https://lnkd.in/eP_w9aA9 Listen to the breakdown: https://lnkd.in/egPNvRVc

Please join us in welcoming Christina M. DiPietro, SVP, Commercial Relationship Manager, to Capital Bank! With more than 20 years of experience in Commercial Banking, she has a strong background in providing strategic financial guidance that drives real results for her clients. Her expertise spans multiple industries, with a focus on financing solutions, treasury services, and cash-management optimization. Christina is passionate about building long-term relationships rooted in trust and helping organizations enhance their operations to achieve lasting success. We’re excited to have her on the team and know she will be an exceptional partner to our clients and business community.