Sec Form 4 Filing - BRECKHEIMER MICHAEL @ Capital Bancorp Inc - 2025-03-03

FORM 4 Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934, Section 17(a) of the Public Utility Holding Company Act of 1935 or Section 30(h) of the Investment Company Act of 1940

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1. Name and Address of Reporting Person BRECKHEIMER MICHAEL 2. Issuer Name and Ticker or Trading Symbol Capital Bancorp Inc [ CBNK] 5. Relationship of Reporting Person(s) to Issuer (Check all applicable) _____ Director _____ 10% Owner X __ Officer (give title below) _____ Other (specify below) SVP, Head of Windsor Advantage (Last) (First) (Middle) 2275 RESEARCH BLVD, SUITE 600 3. Date of Earliest Transaction (MM/DD/YY) 03/03/2025 (Street) ROCKVILLE, MD20850 4. If Amendment, Date Original Filed (MM/DD/YY) 6. Individual or Joint/Group Filing (Check Applicable Line) __ X __ Form filed by One Reporting Person _____ Form filed by More than One Reporting Person (City) (State) (Zip)

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned 1.Title of Security (Instr. 3) 2. Transaction Date (MM/DD/YY) 2A. Deemed Execution Date, if any (MM/DD/YY) 3. Transaction Code (Instr. 8) 4. Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5) 5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4) 6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4) 7. Nature of Indirect Beneficial Ownership (Instr. 4) Code V Amount (A) or (D) Price Common Stock 16,446 D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned ( e.g. , puts, calls, warrants, options, convertible securities) 1. Title of Derivative Security (Instr. 3) 2. Conversion or Exercise Price of Derivative Security 3. Transaction Date (MM/DD/YY) 3A. Deemed Execution Date, if any (MM/DD/YY) 4. Transaction Code (Instr. 8) 5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4, and 5) 6. Date Exercisable and Expiration Date (MM/DD/YY) 7. Title and Amount of Underlying Securities (Instr. 3 and 4) 8. Price of Derivative Security (Instr. 5) 9. Number of Derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4) 10. Ownership Form of Derivative Security: Direct (D) or Indirect (I) (Instr. 4) 11. Nature of Indirect Beneficial Ownership (Instr. 4) Code V (A) (D) Date Exercisable Expiration Date Title Amount or Number of Shares Restricted Stock Units ( 1 ) 03/03/2025 A 600 ( 2 ) ( 2 ) Common Stock 600 $ 0 600 D Stock Options $ 30.51 03/03/2025 A 2,225 03/03/2026( 3 ) 03/03/2030 Common Stock 2,225 $ 0 2,225 D Stock Options $ 13.37 ( 4 ) 01/22/2030 Common Stock 2,423 2,423 D Stock Options $ 8.77 ( 5 ) 05/20/2030 Common Stock 1,211 1,211 D Stock Options $ 14.82 ( 6 ) 01/28/2031 Common Stock 3,231 3,231 D Stock Options $ 19.18 ( 7 ) 01/27/2032 Common Stock 3,231 3,231 D Stock Options $ 16.09 ( 8 ) 09/20/2033 Common Stock 1,615 1,615 D Stock Options $ 17.95 ( 9 ) 01/24/2034 Common Stock 1,615 1,615 D Restricted Stock Units ( 1 ) ( 10 ) ( 10 ) Common Stock 23,102 23,102 D

Reporting Owners Reporting Owner Name / Address Relationships Director 10% Owner Officer Other BRECKHEIMER MICHAEL 2275 RESEARCH BLVD, SUITE 600 ROCKVILLE, MD20850 SVP, Head of Windsor Advantage Signatures /s/ Michael Breckheimer, by Eric Martin as Attorney in Fact 03/05/2025 Signature of Reporting Person Date

Explanation of Responses:

( 1 )Each Restricted Stock Unit represents the right to receive one share of common stock. ( 2 )The Restricted Stock Unit will vest in four equal annual installments beginning 3/3/2026. ( 3 )The Stock Options vest in four equal annual installments beginning on the first anniversary of the date of grant. ( 4 )Received in the Merger in exchange for an employee stock option to acquire 1,500 shares of IFHI common stock for $21.60 per share. The stock options vest 100% on October 1, 2024. ( 5 )Received in the Merger in exchange for an employee stock option to acquire 750 shares of IFHI common stock for $14.18 per share. The stock options vest 100% on October 1, 2024. ( 6 )Received in the Merger in exchange for an employee stock option to acquire 2,000 shares of IFHI common stock for $23.95 per share. The stock options vest 80% on October 1, 2024 and the remaining 20% on January 1, 2025. ( 7 )Received in the Merger in exchange for an employee stock option to acquire 2,000 shares of IFHI common stock for $31.00 per share. The stock options vest 60% on October 1, 2024 and 20% on each of January 1, 2025 and January 1, 2026. ( 8 )Received in the Merger in exchange for an employee stock option to acquire 1,000 shares of IFHI common stock for $26.00 per share. The stock options vest 40% on October 1, 2024 and 20% on each of September 21, 2025, September 21, 2026 and September 21, 2027. ( 9 )Received in the Merger in exchange for an employee stock option to acquire 1,000 shares of IFHI common stock for $29.00 per share. The stock options vest 20% on October 1, 2024 and 20% on each of January 25, 2025, January 25, 2026, January 25, 2027 and January 25, 2028. ( 10 )The Restricted Stock Unit will vest in three equal annual installments beginning 10/1/2025.

Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.

* If the form is filed by more than one reporting person, see Instruction 4(b)(v).

** Intentional misstatements or omissions of facts constitute Federal Criminal Violations. See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).

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