Capital Bank has successfully expanded by combining strategic M&A activity with high-touch, customer-centric services in mortgage lending and credit card solutions tailored to underserved markets. Their commitment to blending advanced digital products with personalized service is a cornerstone of their approach, setting them apart in a competitive landscape. However, to sustain growth and scale effectively, Capital Bank must enhance its data infrastructure, foster data literacy, and build AI competency across teams.

Without these advancements, the bank risks delays in operational efficiency, customer service enhancements, and maximizing the potential value from acquisitions. With financial services primed to benefit from AI-driven insights in customer service, operations, and business intelligence, an AI strategy will be essential for Capital Bank to unlock faster integration and value realization in new acquisitions.

Capital Bank partnered with Ippon to develop a comprehensive data and AI strategy, anchored in a three-year roadmap to guide implementation. Ippon facilitated collaborative discovery sessions with executives, business leaders, and SMEs to gather insights across organizational levels, ensuring the roadmap addressed Capital Bank’s unique needs and growth objectives. The consulting team conducted in-depth assessments of the bank’s current data architecture and maturity to create a grounded approach to expanding its technological and AI capabilities.

The resulting solution provided a structured, three-part path to organizational AI readiness: enhancing data architecture, strengthening data management practices, and building AI competency through a crawl-walk-run methodology. Additionally, the roadmap incorporates change management to support adoption and AI-driven transformation across the bank. This approach ensures Capital Bank can deliver high-touch, technology-enabled services to its growing client base effectively.

It was critical for Ippon to provide a plan that balances early momentum, lays a strong foundation, calibrates across lines of business, and remains achievable. By aligning data architecture improvements and AI readiness with actionable milestones, Ippon has set Capital Bank on a successful path toward its growth goals. Further, Capital Bank and Ippon collaborated to create a business case for ongoing AI and data management that generated long-term investment and strategic alignment across the organization.

Capital Bank, headquartered in Maryland, has served the community since 1999. We are a publicly traded company with over $3 billion in assets. We offer commercial and consumer banking services to clients in Maryland, DC, and Northern Virginia, alongside two nationwide lending brands: Capital Bank Home Loans and OpenSky, a credit card division that offers and services credit cards across all states. Our personalized approach to banking, paired with cutting-edge technology solutions and a comprehensive suite of products and services, fuels our growth and enables us to support our customers at every stage in their financial journey.