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Chain Bridge Bank, National Association

Mc Lean, VA · Cert 58595 · Chain Bridge Bcorp Inc.

National charter · OCC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

67

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

69

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

94

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Chain Bridge Bank, National Association

Mc Lean, VA · Cert 58595 · Chain Bridge Bcorp Inc.

National charter · OCC · 1 branch

Q2 2026

$2.2BAssets
$274.3MLoans
$2.0BDeposits
$178.4MEquity
Loan mix
98%RE $267.2M1%C&I $3.2M1%Consumer $2.5MQ2 2025Q2 2026
Deposit mix
16%Interest-bearing $0.3B84%Noninterest $1.7BQ2 2025Q2 2026

NIM

3.36%Q2 ’243.87%Q2 ’253.30%Q2 ’26+16%-12%

Non-interest income vs. expense

1.75%Q2 ’241.91%Q2 ’251.52%Q2 ’26+52%-43%

Market Position · Washington-Arlington-Alexandria, DC-VA-MD-WV · 2026 SOD (annual) · 0.7% share · #18 of 71 inst. · $2.0B of $301.4B

Executive Summary

  • Earnings: ROA of 1.86%, up 37 bps year over year; NIM at 3.17%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.13%, down 146 bps from a year ago.
  • Funding: loans stand at 13.67% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.86%+37 bps YoY

Net Interest Margin (YTD, annualized)

3.17%-44 bps YoY

Efficiency Ratio (YTD, annualized)

40.43%-886 bps YoY

Tier 1 Leverage Ratio

9.13%-146 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.49%1.44%1.43%1.79%1.86%+37 bps
Return on Equity17.00%15.86%15.76%20.06%21.61%+462 bps
Net Interest Margin3.61%3.42%3.07%3.31%3.17%-44 bps
Efficiency Ratio49.29%50.50%50.32%43.43%40.43%-886 bps
Non-Interest Burden1.65%1.60%1.42%1.11%0.94%-71 bps
Growth
Asset Growth (YoY)2.34%-1.34%24.92%11.11%51.70%+4,936 bps
Loan Growth (YoY)-5.73%-5.32%-12.39%-9.44%-4.70%+103 bps
Deposit Growth (YoY)-0.68%-4.00%24.22%10.11%54.98%+5,566 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.46%1.45%1.49%1.36%1.35%-10 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio10.59%10.53%9.61%9.62%9.13%-146 bps
Total Risk-Based Capital41.37%42.41%44.63%47.14%49.09%+772 bps
Equity / Assets10.01%9.85%9.02%8.82%8.14%-188 bps
Liquidity & Funding
Loans / Deposits22.23%20.64%17.34%15.71%13.67%-856 bps
Liquid Assets / Assets45.33%43.86%47.90%44.34%47.33%+200 bps
CRE / Total Capitaln/a33.41%31.73%29.82%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Chain Bridge Bank, National Association

Mc Lean, VA · Cert 58595 · Peer group: banks $1B-$10B in assets (n=322-328) · Chain Bridge Bcorp Inc.

National charter · OCC · 1 branch

Q2 2026

$2.2BAssets
$274.3MLoans
$2.0BDeposits
$178.4MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks $1B-$10B in assets (rank 8 of 322).
  • Widest gap: equity / assets trails 93% of banks $1B-$10B in assets (rank 305 of 328).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.66%

Rank 64 of 328

Net Interest Margin

3.17%

Rank 220 of 328

Efficiency Ratio

40.43%

Rank 20 of 328

Equity / Assets

8.14%

Rank 305 of 328

Non-interest income vs. expense

$11.6M$30.6MINCOMEEXPENSE
Unfavorable gap of $18.9M · efficiency ratio beats 94% of banks $1B-$10B in assets
Bank 40.43%Peer median 59.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.66%0.91%1.22%1.52%Beats 80%64 / 328
Return on Equity20.41%8.43%11.45%14.43%Beats 94%21 / 328
Net Interest Margin3.17%3.03%3.45%3.83%Beats 33%220 / 328
Efficiency Ratio40.43%51.61%59.56%67.53%Beats 94%20 / 328
Asset Quality
Nonperforming Loans / Loans0.00%0.24%0.51%1.03%Beats 100%8 / 322
Net Charge-Offs / Loans0.00%0.01%0.03%0.10%Beats 100%18 / 322
Capital
Tier 1 Capital Ratio48.10%11.75%13.15%15.47%Beats 97%11 / 328
Total Risk-Based Capital Ratio49.09%12.63%14.15%16.46%Beats 97%11 / 328
Equity / Assets8.14%9.15%10.33%12.01%Beats 7%305 / 328
Liquidity & Funding
Loans / Deposits13.67%76.63%87.92%95.36%1st pctl320 / 323
Loans / Assets12.51%65.18%74.15%79.98%2nd pctl320 / 328
Brokered Deposits / Depositsn/aNot reported for this institution