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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

$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