# EDGAR Filing Document

**Accession Number:** 0001754027
**File Stem:** 0001419536-26-000016
**Filing Date:** 2026-2
**Character Count:** 8228
**Document Hash:** a83f7b0f09fdd094aebac732c939d0a0
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001419536-26-000016.hdr.sgml**: 20260213

**ACCESSION NUMBER**: 0001419536-26-000016

**CONFORMED SUBMISSION TYPE**: SCHEDULE 13G/A

**PUBLIC DOCUMENT COUNT**: 1

**FILED AS OF DATE**: 20260213

**DATE AS OF CHANGE**: 20260213

**SUBJECT COMPANY**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Capital Bancorp Inc
- **CENTRAL INDEX KEY:** 0001419536
- **STANDARD INDUSTRIAL CLASSIFICATION:** NATIONAL COMMERCIAL BANKS [6021]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 522083046
- **STATE OF INCORPORATION:** MD
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** SCHEDULE 13G/A
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 005-90870
- **FILM NUMBER:** 26632149

**BUSINESS ADDRESS:**
- **STREET 1:** One Church Street
- **STREET 2:** Suite 300
- **CITY:** Rockville
- **STATE:** MD
- **ZIP:** 20850
- **BUSINESS PHONE:** (301) 868-8848

**MAIL ADDRESS:**
- **STREET 1:** One Church Street
- **STREET 2:** Suite 300
- **CITY:** Rockville
- **STATE:** MD
- **ZIP:** 20850
**FILED BY**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Whalen James F.
- **CENTRAL INDEX KEY:** 0001754027

**ORGANIZATION NAME:**

**FILING VALUES:**
- **FORM TYPE:** SCHEDULE 13G/A

**MAIL ADDRESS:**
- **STREET 1:** ONE CHURCH STREET
- **CITY:** ROCKVILLE
- **STATE:** MD
- **ZIP:** 20850

### UNITED STATES SECURITIES AND EXCHANGE COMMISSION
**Washington, D.C. 20549**

## SCHEDULE 13G

### Under the Securities Exchange Act of 1934

**(Amendment No. 6)**

**Issuer:** CAPITAL BANCORP, INC.

**Title of Class of Securities:** Common Stock, par value $.01 per share

**CUSIP Number:** 139737100

**Date of Event Which Requires Filing of this Statement:** 12/31/2025

**Check the appropriate box to designate the rule pursuant to which this Schedule is filed:**

- [ ] Rule 13d-1(b)

- [ ] Rule 13d-1(c)

- [x] Rule 13d-1(d)

---

| 1. | Names of Reporting Persons<br>James F. Whalen | Names of Reporting Persons<br>James F. Whalen |
|:---|:---|:---|:---|
| 2. | Check the Appropriate Box if a Member of a Group (See Instructions)<br>(a) [ ] (b) [ ] | Check the Appropriate Box if a Member of a Group (See Instructions)<br>(a) [ ] (b) [ ] |
| 3. | SEC Use Only | SEC Use Only |
| 4. | Citizenship or Place of Organization<br>X1 | Citizenship or Place of Organization<br>X1 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 5. | Sole Voting Power<br>736665.00 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 6. | Shared Voting Power<br>246051.00 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 7. | Sole Dispositive Power<br>736665.00 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 8. | Shared Dispositive Power<br>246051.00 |
| 9. | Aggregate Amount Beneficially Owned by Each Reporting Person<br>982716.00 | Aggregate Amount Beneficially Owned by Each Reporting Person<br>982716.00 |
| 10. | Check if the Aggregate Amount in Row (9) Excludes Certain Shares (See Instructions) [ ] | Check if the Aggregate Amount in Row (9) Excludes Certain Shares (See Instructions) [ ] |
| 11. | Percent of Class Represented by Amount in Row (9)<br>6.0% | Percent of Class Represented by Amount in Row (9)<br>6.0% |
| 12. | Type of Reporting Person (See Instructions)<br>IN | Type of Reporting Person (See Instructions)<br>IN |

---

**Item 1(a). Name of Issuer:**
CAPITAL BANCORP, INC.

**Item 1(b). Address of Issuer's Principal Executive Offices:**
2275 Research Boulevard, Suite 600, Rockville, Maryland, 20850

**Item 2(a). Name of Person Filing:**
James F. Whalen

**Item 2(b). Address of Principal Business Office:**
2275 Research Boulevard, Suite 600, Rockville, MD  20850

**Item 2(c). Citizenship:**
Mr. Whalen is an individual residing in the State of Maryland.

**Item 2(d). Title of Class of Securities:**
Common Stock, par value $.01 per share

**Item 2(e). CUSIP Number:**
139737100

**Item 3. If this statement is filed pursuant to §§ 240.13d-1(b) or 240.13d-2(b) or (c), check whether the person filing is a:**

(a) [ ] Broker or dealer registered under section 15 of the Act (15 U.S.C. 78o).

(b) [ ] Bank as defined in section 3(a)(6) of the Act (15 U.S.C. 78c).

(c) [ ] Insurance company as defined in section 3(a)(19) of the Act (15 U.S.C. 78c).

(d) [ ] Investment company registered under section 8 of the Investment Company Act of 1940 (15 U.S.C. 80a-8).

(e) [ ] An investment adviser in accordance with § 240.13d-1(b)(1)(ii)(E);

(f) [ ] An employee benefit plan or endowment fund in accordance with § 240.13d-1(b)(1)(ii)(F);

(g) [ ] A parent holding company or control person in accordance with § 240.13d-1(b)(1)(ii)(G);

(h) [ ] A savings associations as defined in Section 3(b) of the Federal Deposit Insurance Act (12 U.S.C. 1813);

(i) [ ] A church plan that is excluded from the definition of an investment company under section 3(c)(14) of the Investment Company Act of 1940 (15 U.S.C. 80a-3);

(j) [ ] A non-U.S. institution in accordance with § 240.13d-1(b)(1)(ii)(J), if filing as a non-U.S. institution in accordance with § 240.13d-1(b)(1)(ii)(J), please specify the type of institution:

(k) [ ] Group, in accordance with Rule 240.13d-1(b)(1)(ii)(K).

**Item 4. Ownership:**

**(a) Amount beneficially owned:**

The aggregate number of shares of common stock, par value $0.01 per share ("Common Stock") owned by the reporting person is 982,716. 2,145 shares of Common Stock directly held by the reporting person over which the reporting person has sole voting and dispositive power, 668,554 shares of Common Stock held by the James F. Whalen Revocable Trust over which the reporting person has sole voting and dispositive power, 58,400 shares of Common Stock held by IRA over which the reporting person has sole voting and dispositive power, 240,409 shares of Common Stock held by the Whalen Family, LLC over which the reporting person shares voting and dispositive power, 2,821 shares of Common Stock held by NMW Investments, LLC over which the reporting person shares voting and dispositive power, 2,821 shares of Common Stock held by KAW Investments, LLC over which the reporting person shares voting and dispositive power and 7,566 shares of Common Stock underlying options that are currently exercisable within 60 days of December 31, 2025 that the reporting person is deemed to have sole voting and dispositive power. This amount excludes 8,150 shares of Common Stock underlying options and restricted stock units that are subject to vesting.

**(b) Percent of class:**

The aggregate percentage of the shares of Common Stock outstanding beneficially owned by the reporting person is 6.0% which is based on 16,373,288 shares of Common Stock outstanding as of December 31, 2025. This percentage excludes 8,150 shares of Common Stock underlying options and restricted stock units that are subject to vesting.

**(c) Number of shares as to which the person has:**

**(i) Sole power to vote or to direct the vote:**

736,665

**(ii) Shared power to vote or to direct the vote:**

246,051

**(iii) Sole power to dispose or to direct the disposition of:**

736,665

**(iv) Shared power to dispose or to direct the disposition of:**

246,051

**Item 5. Ownership of Five Percent or Less of a Class.**

[x] If this statement is being filed to report the fact that as of the date hereof the reporting person has ceased to be the beneficial owner of more than five percent of the class of securities, check the following.

**Item 6. Ownership of More than 5 Percent on Behalf of Another Person.**

Not Applicable

**Item 7. Identification and Classification of the Subsidiary**

Not Applicable

**Item 8. Identification and Classification of Members of the Group**

Not Applicable

**Item 9. Notice of Dissolution of Group**

Not Applicable

**Item 10. Certification:**

—

### SIGNATURE

After reasonable inquiry and to the best of my knowledge and belief, I certify that the information set forth in this statement is true, complete and correct.

**James F. Whalen**

**Date:** 02/13/2026

**By:** /s/ James F. Whalen

**Name & Title:** James F. Whalen