CHAIN BRIDGE BANCORP INC
Business
Chain Bridge Bancorp, Inc. is a bank holding company whose subsidiary, Chain Bridge Bank, N.A., is a nationally chartered commercial bank offering deposits, treasury management, payments, lending, trust services, and wealth management. The bank emphasizes transaction-account deposits serving commercial clients nationwide, including political organizations and campaign committees, while maintaining conservative asset allocation in U.S. Treasury securities and Federal Reserve reserves. Operations are branch-less, serving clients across 49 states, D.C., and Puerto Rico, with lending concentrated in the Washington, D.C. metropolitan area.
Summary from 10-K filed 2026-03-20
Financials
Consolidated Statement of Income
| Concept | Trend | FY 2025 2025-12-31 | FY 2024 2024-12-31 | FY 2023 2023-12-31 |
|---|---|---|---|---|
| Interest and fees on loans | 13 | 14 | 13 | |
| Interest and dividends on securities, taxable | 22 | 12 | 11 | |
| Interest on securities, tax-exempt | 1 | 1 | 1 | |
| Interest on interest-bearing deposits in banks | 20 | 21 | 6 | |
| Total interest and dividend income | 56 | 48 | 32 | |
| Interest on deposits | 4 | 3 | 4 | |
| Interest on short-term borrowings | 0 | 430,000 | 382,000 | |
| Total interest expense | 4 | 4 | 4 | |
| Net interest income | 52 | 44 | 28 | |
| Provision for (recapture of) loan credit losses | −418,000 | 195,000 | −163,000 | |
| Recapture of securities credit losses | −74,000 | −356,000 | 804,000 | |
| Total recapture of credit losses | −492,000 | −161,000 | 641,000 | |
| Net interest income after recapture of credit losses | 52 | 45 | 27 | |
| Deposit placement services | 838,000 | 6 | 2 | |
| Gain on sale of mortgage loans | 60,000 | 27,000 | 12,000 | |
| Loss on sale of securities | 0 | −81,000 | −389,000 | |
| Other income | 205,000 | 123,000 | 201,000 | |
| Total noninterest income | 3 | 9 | 3 | |
| Salaries and employee benefits | 18 | 16 | 12 | |
| Professional services | 3 | 3 | 909,000 | |
| Data processing and communication expenses | 3 | 3 | 2 | |
| State franchise taxes | 1 | 884,000 | 739,000 | |
| Occupancy and equipment expenses | 1 | 982,000 | 936,000 | |
| FDIC and regulatory assessments | 850,000 | 753,000 | 585,000 | |
| Insurance expenses | 605,000 | 340,000 | 225,000 | |
| Directors fees | 596,000 | 650,000 | 367,000 | |
| Other operating expenses | 2 | 2 | 842,000 | |
| Total noninterest expenses | 30 | 27 | 19 | |
| Net income before taxes | 25 | 26 | 11 | |
| Loss before allocated tax benefit and undistributed net income of Chain Bridge Bank, N.A. | 5 | 5 | 2 | |
| Net income | 20 | 21 | 9 | |
| Earnings per common share, basic (in dollars per share) | 3.08 | 4.17 | 1.93 | |
| Earnings per common share, diluted (in dollars per share) | 3.08 | 4.17 | 1.93 |
Consolidated Balance Sheet
| Concept | Trend | FY 2025 2025-12-31 | FY 2024 2024-12-31 | FY 2023 2023-12-31 | FY 2022 2022-12-31 |
|---|---|---|---|---|---|
| Cash and due from banks | 5 | 3 | 6 | — | |
| Interest-bearing deposits in other banks | 582 | 408 | 311 | — | |
| Total cash and cash equivalents | 587 | 411 | 317 | — | |
| Securities available for sale, at fair value | 609 | 358 | 258 | — | |
| Securities held to maturity, at carrying value, net of allowance for credit losses of $128 and $202, respectively (fair value of $245,276 and $278,951, respectively) | 257 | 300 | 308 | — | |
| Equity securities, at fair value | 547,000 | 515,000 | 505,000 | — | |
| Restricted securities, at cost | 3 | 3 | 3 | — | |
| Loans held for sale | 0 | 316,000 | 0 | — | |
| Loans, net of allowance for credit losses of $4,096 and $4,514, respectively | 271 | 309 | 300 | — | |
| Premises and equipment, net of accumulated depreciation of $7,755 and $7,285, respectively | 13 | 10 | 10 | — | |
| Accrued interest receivable | 7 | 4 | 4 | — | |
| Other assets | 4 | 5 | 5 | — | |
| Total assets | 1,750 | 1,401 | 1,205 | — | |
| Noninterest-bearing | 1,255 | 913 | 767 | — | |
| Savings, interest-bearing checking and money market accounts | 309 | 325 | 328 | — | |
| Time, $250 and over | 5 | 7 | 9 | — | |
| Other time | 4 | 5 | 7 | — | |
| Total deposits | 1,573 | 1,250 | 1,112 | — | |
| Accrued interest payable | 32,000 | 46,000 | 61,000 | — | |
| Accrued expenses and other liabilities | 8 | 7 | 5 | — | |
| Total liabilities | 1,581 | 1,257 | 1,122 | — | |
| Commitments and contingencies | — | — | — | — | |
| Preferred stock: no par value, 10,000,000 shares authorized, no shares issued and outstanding | 0 | 0 | 0 | — | |
| Additional paid-in capital | 75 | 75 | 38 | — | |
| Retained earnings | 98 | 78 | 57 | — | |
| Accumulated other comprehensive loss | −4 | −8 | −12 | — | |
| Total stockholders equity | 169 | 144 | 83 | 69 | |
| Total liabilities and stockholders equity | 1,750 | 1,401 | 1,205 | — |
Consolidated Statement of Cash Flows
| Concept | Trend | FY 2025 2025-12-31 | FY 2024 2024-12-31 | FY 2023 2023-12-31 |
|---|---|---|---|---|
| Depreciation and amortization of premises and equipment | 470,000 | 494,000 | 491,000 | |
| Discount accretion on investment securities, net | −4 | −506,000 | 2 | |
| Recapture of impairment loss on securities previously recognized in earnings | −2,000 | −3,000 | −13,000 | |
| Fair value loss (gain) on equity security | −17,000 | 5,000 | −7,000 | |
| Origination of loans held for sale | −4 | −3 | −1 | |
| Proceeds from sale of loans | 5 | 3 | 1 | |
| Deferred income tax expense (benefit) | 6,000 | −157,000 | −99,000 | |
| Net increase in accrued interest receivable and other assets | −2 | −792,000 | 170,000 | |
| Net increase in accrued interest payable, accrued expenses and other liabilities | 957,000 | 2 | 793,000 | |
| Net cash provided by operating activities | 16 | 22 | 13 | |
| Purchases of securities | −627 | −283 | −23 | |
| Proceeds from sales, calls, maturities, recoveries, and paydowns | 386 | 188 | 51 | |
| Proceeds from sales, calls, maturities and paydowns | 44 | 7 | 3 | |
| Purchase of restricted securities, net | −497,000 | −273,000 | −112,000 | |
| Reinvestment of dividends on equity security | −17,000 | −15,000 | −12,000 | |
| Net (increase) decrease in loans | 39 | −9 | 16 | |
| Purchases of premises and equipment | −4 | −223,000 | −269,000 | |
| Net cash used in investing activities | −163 | −97 | 46 | |
| Net increase in noninterest-bearing, savings, interest-bearing checking and money market deposits | 326 | 143 | 155 | |
| Net decrease in time deposits | −2 | −5 | 4 | |
| Repayment of short-term borrowings | 0 | −5 | 0 | |
| Net proceeds from stock issuance | 0 | 37 | 0 | |
| Net cash provided by financing activities | 323 | 169 | 159 | |
| Net increase in cash and cash equivalents | 176 | 94 | 218 | |
| Cash payments for interest | 4 | 4 | 4 | |
| Cash payments for taxes | 5 | 6 | 2 | |
| Net securities loss reclassified into earnings | 5 | 3 | 7 |
Filings
Material Events
Insiders
Institutional Holders
Frequently asked questions
What is CHAIN BRIDGE BANCORP INC's CIK number?
CHAIN BRIDGE BANCORP INC's SEC CIK number is 0001392272 (1392272). The CIK (Central Index Key) is the permanent identifier the SEC assigns to every EDGAR filer — unlike a ticker symbol, it never changes.
Where can I find CHAIN BRIDGE BANCORP INC's SEC filings?
All of CHAIN BRIDGE BANCORP INC's EDGAR filings — 10-K annual reports, 10-Q quarterly reports, 8-K material events, and insider transactions — are listed on this page, sourced live from SEC EDGAR.
When did CHAIN BRIDGE BANCORP INC last report earnings?
CHAIN BRIDGE BANCORP INC (CBNA) most recently filed an earnings 8-K with the SEC on Apr 28, 2026, furnishing its results under Item 2.02 (Results of Operations and Financial Condition). The earnings press release is attached to that filing (accession 0001628280-26-027939). This is CHAIN BRIDGE BANCORP INC's most recent earnings filing of record — not a forecast of its next earnings date.
What is CHAIN BRIDGE BANCORP INC's most recent earnings 8-K?
CHAIN BRIDGE BANCORP INC's latest earnings 8-K (Item 2.02) was filed Apr 28, 2026 under accession 0001628280-26-027939. It carries the quarterly or annual earnings press release — the earliest official, SEC-filed version of the results.
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