Capital Bancorp, Inc. is a bank holding company. The Company operates through its wholly owned subsidiary, Capital Bank, N.A., a commercial-focused community bank. The Company serves financial solutions to businesses, not-for-profit associations and entrepreneurs. The Company operates through three divisions: Commercial Banking; Church Street Mortgage, its residential mortgage banking platform, and OpenSky, credit card platform. Its Commercial Banking division provides advices and solutions to commercial clients. The Church Street Mortgage division originates residential mortgage loans for sale into the secondary market. The OpenSky division provides credit cards to under-banked populations. OpenSky’s cards operate on a digital and mobile enabled platform with all marketing and application procedures conducted through its Website and mobile applications.