SCHEDULE: Randall Levitt Boosts Capital Bancorp Stake to 5.9%

Randall J. Levitt has increased his beneficial ownership in Capital Bancorp, Inc. to 5.9% of the common stock, totaling 970,005 shares as of December 31, 2025.

Summary

• Randall J. Levitt beneficially owns 970,005 shares of Capital Bancorp, Inc. common stock.
• This represents 5.9% of the company's outstanding common stock, based on 16,373,288 shares outstanding as of December 31, 2025.
• Levitt holds sole voting and dispositive power over 273,249 shares.
• He shares voting and dispositive power over 696,756 shares.
• Ownership includes 5,741 shares from exercisable options and 267,508 shares held by the Randall James Levitt Revocable Trust.
• Shared ownership is distributed across various trusts and LLCs, including the RSL Family Trust, Adam J. Tross 2012 B Trust, Brian Z. Tross 2012 B Trust, RJL Investment Company, LLC, Montrose Lending Group, LLC, and Maud Associates, LLC.
• Levitt disclaims beneficial ownership of an additional 150,100 shares held by various family-related entities and individuals, except to the extent of his pecuniary interest.
• An additional 5,908 shares underlying options and restricted stock units subject to vesting are also excluded from the reported beneficial ownership.

Sentiment

Score: 7

Explanation: StockSavvy.ai views this as a moderately positive disclosure. A significant insider stake of 5.9% by Randall J. Levitt indicates strong conviction in Capital Bancorp, Inc., which can be a bullish signal for investors, aligning insider and shareholder interests.

Positives

• A significant beneficial ownership stake of 5.9% by an individual like Randall J. Levitt can signal strong confidence in the company's future prospects.
• Insider ownership aligns management and shareholder interests, potentially leading to more shareholder-friendly decisions.

Future Outlook

NA

Industry Context

StockSavvy.ai notes that a significant individual stake, such as Randall J. Levitt's 5.9% in Capital Bancorp, Inc., is often viewed positively by the market. It suggests a high degree of conviction from an insider, which can be a differentiating factor in the regional banking sector where local knowledge and long-term commitment are valued. This level of ownership can also imply a more stable shareholder base compared to purely institutional holdings, potentially influencing corporate governance and strategic decisions.

Related Party Transactions

• Randall James Levitt Revocable Trust ("RJRT") holds 267,508 shares.
• BTC Trust Company of South Dakota ("BTC"), FBO the RSL Family Trust (formerly known as the Richard S. Levitt Fifth Trust), whose business affairs are managed by Nellis Corporation (employing Mr. Levitt), holds 392,000 shares.
• BTC, FBO Adam J. Tross 2012 B Trust, a trust benefiting one of Mr. Levitt's nephews and managed by Nellis, holds 30,000 shares.
• BTC, FBO Brian Z. Tross 2012 B Trust, a trust benefiting one of Mr. Levitt's nephews and managed by Nellis, holds 30,000 shares.
• RJL Investment Company, LLC ("RJLIC"), owned by BTC as trustee of the Randall James Levitt 1968 B Trust and managed by Precious Legacy, LLC (owned by RJRT), holds 30,700 shares.
• Montrose Lending Group, LLC, owned by NC Associates Corporation (50% owned by RJRT) and BTC FBO RSL Family 2011 Dynasty Trust and JSL Family 2011 Dynasty Trust (managed by Nellis), holds 60,000 shares.
• Maud Associates, LLC, 50% owned by a trust benefiting one of Mr. Levitt's daughters (for which he is sole trustee), holds 154,056 shares.
• Disclaimed shares include those held by Needle Leaf Associates, LLC (owned by Mr. Levitt's daughter and her husband), MAL Investment Company, LLC (benefiting Mr. Levitt's brother), Beth L. Tross Revocable Trust (benefiting Mr. Levitt's sister), MAL Revocable Trust (benefiting Mr. Levitt's brother), BTC FBO Beth L. Tross Legacy Trust (benefiting Mr. Levitt's sister and descendants of brother-in-law), Nathan R. Tross IRA (benefiting Mr. Levitt's brother-in-law), Beth L. Tross IRA (benefiting Mr. Levitt's sister), a joint account (Mr. Levitt's sister and brother-in-law), Adam J. Tross (nephew), and Brian Z. Tross (nephew).

Stakeholder Impact

• Shareholders: The significant insider ownership by Randall J. Levitt may instill confidence, suggesting alignment of interests between a key individual and other shareholders.
• Management: Levitt's substantial stake could influence strategic decisions and corporate governance, potentially reinforcing a long-term perspective.

Key Dates

Recommendation

While Randall J. Levitt's significant 5.9% beneficial ownership stake in Capital Bancorp, Inc. signals strong insider confidence and aligns interests, this Schedule 13G filing primarily provides ownership disclosure rather than new operational or financial performance data. Without additional fundamental analysis or new strategic insights, the filing itself does not present a compelling reason for an immediate 'buy' or 'sell' action, suggesting a 'hold' position for existing investors to await further company developments.

Keywords

Capital Bancorp, Randall J. Levitt, Schedule 13G, beneficial ownership, common stock, insider ownership, financial services, banking, equity stake, SEC filing