Mc Lean, VA · Cert 58595 · Chain Bridge Bcorp Inc.
National charter · OCC · 1 branch
Q2 2026
Market Position · Washington-Arlington-Alexandria, DC-VA-MD-WV · 2026 SOD (annual) · 0.7% share · #18 of 71 inst. · $2.0B of $301.4B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.29% | 1.20% | 1.55% | 1.34% | 1.36% | 1.45% | 1.79% | 1.95% | +60 bps | |
| Return on Equity | 31.06% | 15.11% | 18.83% | 15.06% | 13.68% | 15.43% | 20.06% | 23.03% | +797 bps | |
| Net Interest Margin | 3.75% | 3.43% | 3.46% | 3.32% | 3.33% | 3.23% | 3.31% | 3.38% | +6 bps | |
| Efficiency Ratio | 37.27% | 53.92% | 48.08% | 50.64% | 53.02% | 49.82% | 43.43% | 37.81% | -1,282 bps | |
| Non-Interest Burden | 0.87% | 1.68% | 1.58% | 1.52% | 1.63% | 1.46% | 1.11% | 0.89% | -63 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 35.09% | 16.26% | 39.96% | 2.34% | -1.34% | 24.92% | 11.11% | 51.70% | +4,936 bps | |
| Loan Growth (YoY) | -3.50% | 3.11% | -1.29% | -5.73% | -5.32% | -12.39% | -9.44% | -4.70% | +103 bps | |
| Deposit Growth (YoY) | 34.41% | 14.71% | 39.24% | -0.68% | -4.00% | 24.22% | 10.11% | 54.98% | +5,566 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.40% | 1.44% | 1.48% | 1.46% | 1.45% | 1.49% | 1.36% | 1.35% | -10 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.29% | 9.57% | 9.07% | 10.59% | 10.53% | 9.61% | 9.62% | 9.13% | -146 bps | |
| Total Risk-Based Capital | 31.90% | 32.94% | 38.12% | 41.37% | 42.41% | 44.63% | 47.14% | 49.09% | +772 bps | |
| Equity / Assets | 7.41% | 8.48% | 8.02% | 10.01% | 9.85% | 9.02% | 8.82% | 8.14% | -188 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 20.92% | 24.58% | 19.09% | 22.23% | 20.64% | 17.34% | 15.71% | 13.67% | -856 bps | |
| Liquid Assets / Assets | 59.84% | 50.55% | 53.09% | 45.33% | 43.86% | 47.90% | 44.34% | 47.33% | +200 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 33.41% | 31.73% | 29.82% | n/a | n/a | |