Mail Stop 4720
                                                                June 5, 2018


    Alan W. Jackson
    Executive Vice President and
    Chief Financial Officer
    Capital Bancorp, Inc.
    One Church Street
    Rockville, MD 20850

           Re:     Capital Bancorp, Inc.
                   Draft Registration Statement on Form S-1
                   Submitted May 9, 2018
                   CIK No. 0001419536

    Dear Mr. Jackson:

           We have reviewed your draft registration statement and have the
following comments. In
    some of our comments, we may ask you to provide us with information so we
may better
    understand your disclosure.

           Please respond to this letter by providing the requested information
and either submitting
    an amended draft registration statement or publicly filing your
registration statement on
    EDGAR. If you do not believe our comments apply to your facts and
circumstances or do not
    believe an amendment is appropriate, please tell us why in your response.

          After reviewing the information you provide in response to these
comments and your
    amended draft registration statement or filed registration statement, we
may have additional
    comments.

    General

    1.     Please supplementally provide us with copies of all written
communications, as defined
           in Rule 405 under the Securities Act, that you, or anyone authorized
to do so on your
           behalf, present to potential investors in reliance on Section 5(d)
of the Securities Act,
           whether or not they retain copies of the communications.

    Prospectus Summary, page 1

    2.     We note that your Prospectus Summary includes a discussion of your
competitive
           strengths and banking strategy. Please balance this disclosure by
including a brief
 Alan W. Jackson
Capital Bancorp, Inc.
June 5, 2018
Page 2

        summary of the most significant risks that your business faces in this
section of your
        prospectus.

Cautionary Note Regarding Forward-Looking Statements, page 46

3.      Please either delete your references to Section 27A of the Securities
Act of 1933 and
        Section 21E of the Exchange Act or disclose that the safe harbor for
forward-looking
        statements provided in the Private Securities Litigation Reform Act of
1995 does not
        apply to the statements made in connection with this offering. Please
refer to Section
        27A(b)(2)(D) of the Securities Act of 1933 and Section 21E(b)(2)(D) of
the Securities
        Exchange Act of the 1934 for guidance.

Business

Capital Bank Today

OpenSky Secured Credit Card Division, page 93

4.      We note your disclosure on page 26 that your OpenSky division provides
fully secured
        credit cards on a nationwide basis to under-banked populations and that
based on your
        prior experience, approximately 20% of your new secured credit cards
will experience a
        charge-off within the first year of the account. Please revise to
describe the typical facts
        and circumstances that result in charging-off credit card amounts
considering that they
        are fully secured.

Our Competitive Strengths

Well-Positioned in Dynamic and Fast-Growing Markets, page 95

5.      Please disclose the extent of your operations in each metropolitan
statistical area that you
        cite, both between MSAs and in terms of your relative market share
within each MSA. In
        this regard it appears that your operations have historically focused
on the Washington,
        D.C. MSA based on the recent opening of your branch in Columbia, MD as
well as your
        disclosure on page 106. We further note your disclosure on page 30 that
you face
        significant competitive pressure from financial institutions located
both within and
        beyond your principal markets. Please further clarify whether you have
substantial
        operations in all or any of the "five of the 10 wealthiest counties" in
the United States or
        whether management instead views these as target markets for potential
future expansion.
        Please make corresponding revisions to your tabular disclosure on page
98, as
        appropriate.
 Alan W. Jackson
Capital Bancorp, Inc.
June 5, 2018
Page 3

Certain Relationships and Related Party Transactions

Loan Participations with the Bank, page 134

6.      We note your disclosure here, in the following subheading, and on page
91 that you sell
        loan participations to your executive officers, directors and related
persons. Please
        identify each related person's interest in such transactions for the
past two completed
        fiscal years and disclose any other material terms of the transaction,
including whether
        you financed any such related person's purchases. Please refer to
Instruction 2 to Item
        404(d) and Item 404(d) of Regulation S-K, for guidance.

        You may contact William Schroeder, Staff Accountant, at (202) 551-3294
or Michael
Volley, Staff Accountant, at (202) 551-3437 if you have questions regarding
comments on the
financial statements and related matters. Please contact Christopher Dunham,
Staff Attorney, at
(202) 551-3783 or, in his absence, me at (202) 551-3765 with any other
questions.


                                                            Sincerely,

                                                            /s/ Pamela A. Long

                                                            Pamela A. Long
                                                            Assistant Director
                                                            Office of Financial
Services

cc:     William H. Levay, Esq.