Chain Bridge Bancorp Inc 10-Q for FY2026 Q3

Chain Bridge Bancorp Inc (CBNA)

10-Q 2026-11-10 For: 2026-09-30

Added on November 10, 2026

About this 10-Q

Chain Bridge Bancorp Inc filed this 10-Q on November 10, 2026, covering the quarter ended September 30, 2026 (FY2026 Q3).

Chain Bridge Bancorp Inc reported nine-month 2026 net income of $27.5 million versus $14.9 million in 2025, driven by net interest income of $51.9 million versus $37.9 million. Assets reached $2.3 billion and deposits $2.1 billion at September 30, 2026. AI summary

Headline figures

Quarter ended September 30, 2026, as reported in this filing, compared with the same period a year earlier where the filing states it.

Net income: $10.93M; up 132.3% from net income of $4.7M a year earlier
Diluted EPS: $1.66; up 130.6% from $0.72 a year earlier

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Delaware			20-4957796
(State or other jurisdiction of incorporation or organization)			(I.R.S. Employer Identification No.)

1445-A Laughlin Avenue, McLean, VA			22101
(Address of Principal Executive Offices)			(Zip Code)


Title of each class	Trading Symbol(s)	Name of each exchange on which registered
Class A common stock, par value $0.01 per share	CBNA	NYSE


			Page

Index of Defined Terms and Acronyms			4

Cautionary Note Regarding Forward-Looking Statements			5

Part I - Financial Information			7
Item 1. Financial Statements			7
Item 2. Management ’s Discussion and Analysis of Financial Condition and Results of Operations			30
Item 3. Quantitative and Qualitative Disclosures About Market Risk			58
Item 4. Controls and Procedures			59

Part II - Other Information			60
Item 1. Legal Proceedings			60
Item 1A. Risk Factors			60
Item 2. Unregistered Sales of Equity Securities and Use of Proceeds			60
Item 3. Defaults Upon Senior Securities			60
Item 4. Mine Safety Disclosures			60
Item 5. Other Information			60
Item 6. Exhibits			61

Signatures			62


ACL						Allowance for Credit Losses
AFS						Available for Sale
AI						Artificial Intelligence
ALCO						Asset Liability Investment Committee of the Board of Directors of Chain Bridge Bank, N.A.
AOCI						Accumulated Other Comprehensive Income (Loss)
ASU						Accounting Standards Update
AUM						Assets under management
AUC						Assets under custody
Bank						Chain Bridge Bank, N.A.
BHC						Bank Holding Company
BHC Act						U.S. Bank Holding Company Act of 1956, as amended
Board or Board of Directors						The Board of Directors of Chain Bridge Bancorp, Inc.
bps						Basis points, defined as one hundredth of one percentage point
Bylaws						Our amended and restated bylaws, which have been adopted by our Board
Call Report						The Federal Financial Institutions Examination Council (“FFIEC”) Consolidated Reports of Condition and Income, which the Bank files with the FFIEC on a quarterly basis
CECL						Current Expected Credit Losses (ASU 2016-13, Financial Instruments-Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments)
Chain Bridge, CBNA, the Company, we, us, our						Chain Bridge Bancorp, Inc., and its Subsidiaries
Charter						Our amended and restated certificate of incorporation, which became effective on October 3, 2024. The Charter authorizes the establishment of our Class A common stock and Class B common stock and effected the reclassification of each outstanding share of our common stock into 170 shares of Class B common stock
Class A common stock						Our Class A common stock, par value $0.01 per share
Class B common stock						Our Class B common stock, par value $0.01 per share
Common stock						Our Class A common stock and our Class B common stock
CRE						Commercial real estate
DGCL						Delaware General Corporation Law
EPS						Earnings per share
EVE						Economic value of equity
FASB						Financial Accounting Standards Board
FDIC						Federal Deposit Insurance Corporation
Federal Reserve						Federal Reserve System, the Board of Governors of the Federal Reserve System, or the Federal Reserve Bank of Richmond, Virginia
FFIEC						Federal Financial Institutions Examination Council
FHLB						Federal Home Loan Bank
Fitzgerald Family						Collectively, the lineal descendants of Gerald Francis Fitzgerald, deceased, and Marjorie Gosselin Fitzgerald, their spouses or surviving spouses, children, and grandchildren, and the spouses of their children and grandchildren. These persons include, but are not limited to, Peter Gosselin Fitzgerald, Gerald Francis Fitzgerald, Jr., James Gosselin Fitzgerald, Thomas Gosselin Fitzgerald, Julie Fitzgerald Schauer, Thomas Gosselin Fitzgerald, Jr., Andrew James Fitzgerald, and Lauren Fitzgerald Peterson
Form 10-K						Annual Report on Form 10-K for the year ended December 31, 2025, filed with the SEC on March 20, 2026
FRB						Federal Reserve Bank of Richmond
GAAP						Generally Accepted Accounting Principles
HTM						Held to Maturity


ICS®1						IntraFi Cash Service®
IPO						Initial public offering
N/A						Not Applicable
NM						Not Meaningful (Comparisons of positive and negative values or to zero values are considered not meaningful)
OCC						Office of the Comptroller of the Currency
OREO						Other real estate owned
Political organizations						Campaign committees; party committees; separate segregated funds (including trade association political action committees (“PACs”) and corporate PACs); non-connected committees (including independent expenditure-only committees (“Super PACs”), committees maintaining separate accounts for direct contributions and independent expenditures (“Hybrid PACs”), and committees other than authorized campaign committees, or those affiliated with such committees that are maintained or controlled by a candidate or federal officeholder (collectively, “Leadership PACs”)); and other tax-exempt organizations under Section 527 of the Internal Revenue Code
Return on average risk-weighted assets						Return on average risk-weighted assets is calculated as net income divided by average risk-weighted assets. Average risk-weighted assets are calculated using the relevant quarter-end balances depending on the period presented.
RWA						Risk-weighted assets
SEC						United States Securities and Exchange Commission
Tier 1 capital ratio						Tier 1 capital, which includes Common Equity Tier 1 capital plus non-cumulative perpetual preferred equity that qualifies as additional tier 1 capital, divided by total risk-weighted assets as defined under the U.S. Basel III Standardized approach
Tier 1 leverage ratio						Tier 1 capital, which includes Common Equity Tier 1 capital plus non-cumulative perpetual preferred equity that qualifies as additional tier 1 capital, divided by quarterly adjusted average assets as defined under the U.S. Basel III Standardized approach
Total capital ratio						Total capital, which includes Common Equity Tier 1 capital, tier 1 capital, and allowance for credit losses and qualifying subordinated debt that qualifies as tier 2 capital, divided by total risk-weighted assets as defined under the U.S. Basel III Standardized approach
Transaction accounts						As defined in the instructions for the Call Report


x			QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934


o			TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934


			Page

Item 1 - Financial Statements			7

Consolidated Balance Sheets			8
Consolidated Statements of Income			9
Consolidated Statements of Comprehensive Income			10
Consolidated Statements of Changes in Stockholders ’ Equity			11
Consolidated Statements of Cash Flows			12
Notes to Unaudited Consolidated Financial Statements			13


Chain Bridge Bancorp, Inc. and Subsidiary Consolidated Balance Sheets (Dollars in thousands, except per share data) (unaudited)
	September 30, 2026		December 31, 20252
Assets
Cash and due from banks	$	11,180	$	4,882
Interest-bearing deposits in other banks	1,030,404		581,748
Total cash and cash equivalents	1,041,584		586,630
Securities available for sale, at fair value	678,369		608,804
Securities held to maturity, at carrying value, net of allowance for credit losses of $64 and $128, respectively (fair value of $193,388 and $245,276, respectively)	208,499		256,510
Equity securities, at fair value	534		547
Restricted securities, at cost	3,763		3,383

Loans, net of allowance for credit losses of $4,185 and $4,096, respectively	300,238		270,663
Premises and equipment, net of accumulated depreciation of $8,215 and $7,755, respectively	16,729		13,229
Accrued interest receivable	10,763		7,108
Other assets	5,095		3,525
Total assets	$	2,265,574	$	1,750,399
Liabilities and stockholders’ equity
Liabilities
Deposits:
Noninterest-bearing	$	1,765,096	$	1,254,695
Savings, interest-bearing checking and money market accounts	292,748		309,352
Time, $250 and over	3,068		4,787
Other time	4,025		4,446
Total deposits	2,064,937		1,573,280
Accrued interest payable	14		32
Accrued expenses and other liabilities	8,782		7,868
Total liabilities	2,073,733		1,581,180
Commitments and contingencies
Stockholders’ equity
Preferred Stock:
No par value, 10,000,000 shares authorized, no shares issued and outstanding	—		—
Class A Common Stock:
$0.01 par value, 20,000,000 shares authorized, 3,403,387 and 3,297,137 shares issued and outstanding, respectively	34		33
Class B Common Stock:
$0.01 par value, 10,000,000 shares authorized, 3,158,430 and 3,264,680 shares issued and outstanding, respectively	31		32
Additional paid-in capital	74,785		74,785
Retained earnings	125,387		97,878
Accumulated other comprehensive loss	(8,396)		(3,509)
Total stockholders’ equity	191,841		169,219
Total liabilities and stockholders’ equity	$	2,265,574	$	1,750,399
See Notes to Consolidated Financial Statements.


	Three Months Ended September 30,				Nine Months Ended September 30,
	2026		2025		2026		2025
Interest and dividend income
Interest and fees on loans	$	3,342	$	3,251	$	9,445	$	10,195
Interest and dividends on securities, taxable	8,299		5,637		24,094		15,519
Interest on securities, tax-exempt	270		275		833		836
Interest on interest-bearing deposits in banks	8,655		4,271		19,448		14,390
Total interest and dividend income	20,566		13,434		53,820		40,940
Interest expense
Interest on deposits	700		1,158		1,954		3,022

Total interest expense	700		1,158		1,954		3,022
Net interest income	19,866		12,276		51,866		37,918
Provision for (recapture of) credit losses
Provision for (recapture of) loan credit losses	507		(83)		125		(404)
Recapture of securities credit losses	(27)		(11)		(64)		(69)
Total provision for (recapture of) credit losses	480		(94)		61		(473)
Net interest income after provision for (recapture of) credit losses	19,386		12,370		51,805		38,391
Noninterest income
Deposit placement services	2,007		174		5,713		466
Trust and wealth management	491		355		1,426		930
Service charges on accounts	390		250		1,037		751
Gain on sale of mortgage loans	7		28		9		55
Other income	15		40		88		169

Total noninterest income	2,910		847		8,273		2,371
Noninterest expenses
Salaries and employee benefits	5,138		4,524		14,872		13,062
Data processing and communication expenses	793		767		2,445		2,166
Professional services	757		555		2,629		2,249
State franchise taxes	419		251		1,147		951
Occupancy and equipment expenses	360		267		1,014		776
FDIC and regulatory assessments	303		198		813		628
Insurance expenses	171		151		509		453

Directors’ fees	165		142		562		432
Other operating expenses	413		467		1,423		1,335
Total noninterest expenses	8,519		7,322		25,414		22,052
Net income before taxes	13,777		5,895		34,664		18,710
Income tax expense	2,852		1,193		7,155		3,817
Net income	$	10,925	$	4,702	$	27,509	$	14,893
Earnings per common share, basic and diluted3	$	1.66	$	0.72	$	4.19	$	2.27


	Common Stock
	Class A Shares Outstanding		Class B Shares Outstanding		Total Amount		Additional Paid-In Capital		Retained Earnings		Accumulated Other Comprehensive Loss		Total














Balance at December 31, 2024	$	30	$	35	$	65	$	74,785	$	77,641	$	(8,245)	$	144,246
Conversion of Class B to Class A Common Stock	1		(1)		—		—		—		—		—
Net income	—		—		—		—		5,607		—		5,607
Other comprehensive income	—		—		—		—		—		1,652		1,652
Balance at March 31, 2025	$	31	$	34	$	65	$	74,785	$	83,248	$	(6,593)	$	151,505
Net income	—		—		—		—		4,584		—		4,584
Other comprehensive income	—		—		—		—		—		859		859
Balance at June 30, 2025	$	31	$	34	$	65	$	74,785	$	87,832	$	(5,734)	$	156,948
Conversion of Class B to Class A Common Stock	1		(1)		—		—		—		—		—
Net income	—		—		—		—		4,702		—		4,702
Other comprehensive income	—		—		—		—		—		1,446		1,446
Balance at September 30, 2025	$	32	$	33	$	65	$	74,785	$	92,534	$	(4,288)	$	163,096

Balance at December 31, 2025	$	33	$	32	$	65	$	74,785	$	97,878	$	(3,509)	$	169,219

Net income	—		—		—		—		7,072		—		7,072
Other comprehensive loss	—		—		—		—		—		(1,416)		(1,416)
Balance at March 31, 20264	$	33	$	32	$	65	$	74,785	$	104,950	$	(4,925)	$	174,875
Conversion of Class B to Class A Common Stock	1		(1)		—		—		—		—		—
Net income	—		—		—		—		9,512		—		9,512
Other comprehensive loss	—		—		—		—		—		(741)		(741)
Balance at June 30, 2026	$	34	$	31	$	65	$	74,785	$	114,462	$	(5,666)	$	183,646

Net income	—		—		—		—		10,925		—		10,925
Other comprehensive loss	—		—		—		—		—		(2,730)		(2,730)
Balance at September 30, 20264	$	34	$	31	$	65	$	74,785	$	125,387	$	(8,396)	$	191,841


	September 30, 2026
	Amortized Cost		Gross Unrealized Gains		Gross Unrealized Losses		Fair Value		Allowance for Credit Losses
Securities available for sale:
U.S. government and federal agencies	$	475,281	$	6	$	(3,132)	$	472,155	$	—
Mortgage-backed securities	3,833		1		(565)		3,269		—
Corporate bonds	91,413		1		(1,437)		89,977		—
State and municipal securities	116,688		2		(3,722)		112,968		—
Total securities available for sale	$	687,215	$	10	$	(8,856)	$	678,369	$	—
Securities held to maturity:
U.S. government and federal agencies	$	80,822	$	—	$	(6,120)	$	74,702	$	—
Mortgage-backed securities	867		—		(77)		790		—
Corporate bonds	20,461		8		(194)		20,275		(38)
State and municipal securities	106,413		—		(8,792)		97,621		(26)
Total securities held to maturity	$	208,563	$	8	$	(15,183)	$	193,388	$	(64)
Total securities	$	895,778	$	18	$	(24,039)	$	871,757	$	(64)


	December 31, 2025
	Amortized Cost		Gross Unrealized Gains		Gross Unrealized Losses		Fair Value		Allowance for Credit Losses
Securities available for sale:
U.S. government and federal agencies	$	438,351	$	805	$	(833)	$	438,323	$	—
Mortgage-backed securities	5,670		1		(344)		5,327		—
Corporate bonds	62,796		283		(171)		62,908		—
State and municipal securities	104,082		191		(2,027)		102,246		—
Total securities available for sale	$	610,899	$	1,280	$	(3,375)	$	608,804	$	—
Securities held to maturity:
U.S. government and federal agencies	$	96,440	$	2	$	(4,887)	$	91,555	$	—
Mortgage-backed securities	1,150		—		(3)		1,147		—
Corporate bonds	43,891		65		(429)		43,527		(99)
State and municipal securities	115,157		11		(6,121)		109,047		(29)
Total securities held to maturity	$	256,638	$	78	$	(11,440)	$	245,276	$	(128)
Total securities	$	867,537	$	1,358	$	(14,815)	$	854,080	$	(128)


	September 30, 2026
	Less Than Twelve Months				Over Twelve Months				Total
	Gross Unrealized Loss		Fair Value		Gross Unrealized Loss		Fair Value		Gross Unrealized Loss		Fair Value
Securities available for sale:
U.S. government and federal agencies	$	(2,187)	$	426,270	$	(945)	$	10,997	$	(3,132)	$	437,267
Mortgage-backed securities	—		5		(565)		3,228		(565)		3,233
Corporate bonds	(1,357)		82,952		(80)		6,529		(1,437)		89,481
State and municipal securities	(1,062)		68,386		(2,660)		41,195		(3,722)		109,581
Total securities available for sale	$	(4,606)	$	577,613	$	(4,250)	$	61,949	$	(8,856)	$	639,562


	September 30, 2026
	U.S. Government and Federal Agencies		Mortgage Backed Securities		Corporate Bonds		State and Municipal Securities		Total HTM Securities
AAA / AA / A	$	80,822	$	867	$	7,001	$	106,413	$	195,103
BBB / BB / B	—		—		13,460		—		13,460
Total	$	80,822	$	867	$	20,461	$	106,413	$	208,563


	Available for Sale				Held to Maturity
	Amortized Cost		Fair Value		Amortized Cost		Fair Value
Within one year	$	425,126	$	424,212	$	41,100	$	40,689
After one year through five years	253,324		246,428		146,043		134,385
After five years through ten years	4,714		4,223		20,553		17,524
Over ten years	4,051		3,506		867		790
Total	$	687,215	$	678,369	$	208,563	$	193,388


	September 30, 2026
	Commercial Real Estate		Commercial		Residential Real Estate Closed-End		Other Consumer Loans		Total
For the three months ended
Allowance for credit losses:
Beginning balance, June 30, 2026	$	949	$	75	$	2,406	$	284	$	3,714
Provision for (recapture of) credit losses	86		431		8		(18)		507
Loans charged-off	—		—		(36)		—		(36)
Recoveries collected	—		—		—		—		—
Ending balance, September 30, 2026	$	1,035	$	506	$	2,378	$	266	$	4,185


	September 30, 2026
	Commercial Real Estate		Commercial		Residential Real Estate Closed-End		Other Consumer Loans		Total
For the nine months ended
Allowance for credit losses:
Beginning balance, December 31, 2025	$	1,468	$	73	$	2,324	$	231	$	4,096
Provision for (recapture of) credit losses	(433)		433		90		35		125
Loans charged-off	—		—		(36)		—		(36)
Recoveries collected	—		—		—		—		—
Ending balance, September 30, 2026	$	1,035	$	506	$	2,378	$	266	$	4,185


	September 30, 2025
For the three months ended	U.S. Government and Federal Agencies		Mortgage Backed Securities		Corporate Bonds		State and Municipal Securities		Total HTM Securities
Allowance for credit losses:
Beginning balance, June 30, 2025	$	—	$	—	$	114	$	30	$	144
Recapture of credit losses	—		—		(10)		(1)		(11)
Write offs charged against the allowance	—		—		—		—		—
Recoveries of amounts previously written off	—		—		—		—		—
Ending balance, September 30, 2025	$	—	$	—	$	104	$	29	$	133


September 30, 2026	Term Loans by Year of Origination												Revolving Loans		Revolving to Term Loans		Total
	2026		2025		2024		2023		2022		Prior
Commercial real estate
Pass	$	5,553	$	4,491	$	1,310	$	2,444	$	3,337	$	27,852	$	—	$	—	$	44,987
Special Mention	—		—		—		—		—		—		—		—		—
Substandard	—		—		—		—		1,605		1,940		—		—		3,545
Doubtful	—		—		—		—		—		—		—		—		—
Loss	—		—		—		—		—		—		—		—		—
Total	$	5,553	$	4,491	$	1,310	$	2,444	$	4,942	$	29,792	$	—	$	—	$	48,532
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Commercial
Pass	$	547	$	440	$	20	$	—	$	500	$	767	$	28,910	$	—	$	31,184
Special Mention	—		—		—		—		—		—		—		—		—
Substandard	—		—		—		—		—		—		—		—		—
Doubtful	—		—		—		—		—		—		—		—		—
Loss	—		—		—		—		—		—		—		—		—
Total	$	547	$	440	$	20	$	—	$	500	$	767	$	28,910	$	—	$	31,184
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Residential real estate closed-end
Pass	$	14,843	$	12,282	$	10,307	$	10,674	$	43,515	$	105,670	$	—	$	4,517	$	201,808
Special Mention	—		—		—		—		—		—		—		—		—
Substandard	—		—		—		—		—		398		—		—		398
Doubtful	—		—		—		—		—		—		—		—		—
Loss	—		—		—		—		—		—		—		—		—
Total	$	14,843	$	12,282	$	10,307	$	10,674	$	43,515	$	106,068	$	—	$	4,517	$	202,206
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	36	$	—	$	—	$	36

Other consumer loans
Pass	$	—	$	23	$	6	$	—	$	—	$	—	$	22,472	$	—	$	22,501
Special Mention	—		—		—		—		—		—		—		—		—
Substandard	—		—		—		—		—		—		—		—		—
Doubtful	—		—		—		—		—		—		—		—		—
Loss	—		—		—		—		—		—		—		—		—
Total	$	—	$	23	$	6	$	—	$	—	$	—	$	22,472	$	—	$	22,501
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Total Portfolio Loans
Pass	$	20,943	$	17,236	$	11,643	$	13,118	$	47,352	$	134,289	$	51,382	$	4,517	$	300,480
Special Mention	—		—		—		—		—		—		—		—		—
Substandard	—		—		—		—		1,605		2,338		—		—		3,943
Doubtful	—		—		—		—		—		—		—		—		—
Loss	—		—		—		—		—		—		—		—		—
Total Portfolio Loans	$	20,943	$	17,236	$	11,643	$	13,118	$	48,957	$	136,627	$	51,382	$	4,517	$	304,423
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	36	$	—	$	—	$	36


			Fair Value Measurements Using
Financial Assets	Balances		Level 1		Level 2		Level 3
As of September 30, 2026:
Available for sale securities:
U.S. government and federal agencies	$	472,155	$	471,662	$	493	$	—
Mortgage-backed securities	3,269		—		3,269		—
Corporate bonds	89,977		—		89,977		—
State and municipal securities	112,968		—		112,968		—
Total available for sale securities	$	678,369	$	471,662	$	206,707	$	—
Equity securities	534		534		—		—
Total	$	678,903	$	472,196	$	206,707	$	—
As of December 31, 2025:
Available for sale securities:
U.S. government and federal agencies	$	438,323	$	437,339	$	984	$	—
Mortgage-backed securities	5,327		—		5,327		—
Corporate bonds	62,908		489		62,419		—
State and municipal securities	102,246		—		102,246		—
Total available for sale securities	$	608,804	$	437,828	$	170,976	$	—
Equity securities	547		547		—		—
Total	$	609,351	$	438,375	$	170,976	$	—


	Carrying Amount		Fair Value Measurements Using						Total Fair Value
			Level 1		Level 2		Level 3
As of September 30, 2026:
Financial assets:
Cash and cash equivalents	$	1,041,584	$	1,041,584	$	—	$	—	$	1,041,584
Securities available for sale	678,369		471,662		206,707		—		678,369
Securities held to maturity, net	208,499		71,773		121,615		—		193,388
Equity securities	534		534		—		—		534
Restricted securities	3,763		—		3,763		—		3,763
Loans, net	300,238		—		—		289,457		289,457
Accrued interest receivable	10,763		—		10,763		—		10,763
Financial liabilities:
Time deposits	7,093		—		—		7,009		7,009
Accrued interest payable	14		—		14		—		14


	Unrealized Loss on Available for Sale Securities		Unrealized Loss on Securities Transferred from Available for Sale to Held to Maturity		Accumulated Other Comprehensive Loss
Balance at December 31, 2024	$	(5,525)	$	(2,720)	$	(8,245)
Unrealized holding gains, net of tax of $876	3,295		—		3,295
Amortization of unrealized holding losses, net of tax of $176	—		662		662
Balance at September 30, 2025	$	(2,230)	$	(2,058)	$	(4,288)
Balance at December 31, 2025	$	(1,656)	$	(1,853)	$	(3,509)
Unrealized holding losses, net of tax of $1,419	(5,332)		—		(5,332)
Amortization of unrealized holding losses, net of tax of $119	—		445		445
Balance at September 30, 2026	$	(6,988)	$	(1,408)	$	(8,396)


	Three Months Ended September 30,								Nine Months Ended September 30,
(dollars in thousands)	2026		2025		$ Change		% Change		2026		2025		$ Change		% Change
Interest and dividend income	$	20,566	$	13,434	$	7,132	53.1	%	$	53,820	$	40,940	$	12,880	31.5	%
Interest expense	700		1,158		(458)		(39.6	%)	1,954		3,022		(1,068)		(35.3	%)
Net interest income	19,866		12,276		7,590		61.8	%	51,866		37,918		13,948		36.8	%
Provision for (recapture of) credit losses	480		(94)		574		NM		61		(473)		534		NM
Net interest income after provision for (recapture of) credit losses	19,386		12,370		7,016		56.7	%	51,805		38,391		13,414		34.9	%
Noninterest income	2,910		847		2,063		243.6	%	8,273		2,371		5,902		248.9	%
Noninterest expense	8,519		7,322		1,197		16.3	%	25,414		22,052		3,362		15.2	%
Net income before taxes	13,777		5,895		7,882		133.7	%	34,664		18,710		15,954		85.3	%
Income tax expense	2,852		1,193		1,659		139.1	%	7,155		3,817		3,338		87.5	%
Net income	$	10,925	$	4,702	$	6,223	132.3	%	$	27,509	$	14,893	$	12,616	84.7	%


	For the three months ended September 30, 2026 compared to 2025						For the nine months ended September 30, 2026 compared to 2025

	Increase (decrease) due to change in:
(dollars in thousands)	Average volume		Average rate		Total		Average volume		Average rate		Total
Interest-earning assets
Interest-bearing deposits in other banks	$	5,941	$	(1,557)	$	4,384	$	8,884	$	(3,826)	$	5,058
Taxable investment securities	1,993		669		2,662		6,442		2,133		8,575
Non-taxable investment securities	(33)		28		(5)		(95)		92		(3)
Loans	1		90		91		(620)		(130)		(750)
Total increase (decrease) in interest income	$	7,902	$	(770)	$	7,132	$	14,611	$	(1,731)	$	12,880
Interest-bearing liabilities
Savings, interest-bearing checking and money market accounts	$	(273)	$	(162)	$	(435)	$	(627)	$	(365)	$	(992)
Time deposits	(16)		(7)		(23)		(47)		(29)		(76)

Total decrease in interest expense	$	(289)	$	(169)	$	(458)	$	(674)	$	(394)	$	(1,068)
Increase (decrease) in net interest income	$	8,191	$	(601)	$	7,590	$	15,285	$	(1,337)	$	13,948


	Balance as of September 30, 2026
	Available for Sale				Held to Maturity
(dollars in thousands)	Amortized Cost		Weighted Average Yield		Amortized Cost		Weighted Average Yield
U.S. government and federal agencies
Due in one year or less	$	376,725	3.69	%	$	17,464	1.88	%
Due after one year through five years	98,556		3.39	%	57,884		1.68	%
Due after five years through ten years	—		—	%	5,474		2.10	%
Due after ten years	—		—	%	—		—	%
	475,281		3.63	%	80,822		1.75	%
Mortgage-backed securities
Due in one year or less	—		—	%	—		—	%
Due after one year through five years	—		—	%	—		—	%
Due after five years through ten years	528		3.22	%	—		—	%
Due after ten years	3,305		2.89	%	867		4.58	%
	3,833		2.94	%	867		4.58	%
Corporate bonds
Due in one year or less	17,561		4.00	%	13,500		3.02	%
Due after one year through five years	73,356		4.44	%	6,459		3.92	%
Due after five years through ten years	—		—	%	502		2.83	%
Due after ten years	496		6.80	%	—		—	%
	91,413		4.37	%	20,461		3.30	%
State and municipal securities
Due in one year or less	30,840		3.31	%	10,136		2.23	%
Due after one year through five years	81,412		3.35	%	81,700		2.25	%
Due after five years through ten years	4,186		2.82	%	14,577		2.54	%
Due after ten years	250		2.95	%	—		—	%
	116,688		3.32	%	106,413		2.28	%
Total securities	$	687,215	3.67	%	$	208,563	2.19	%


	As of September 30,				As of December 31,
	2026				2025				Change
(dollars in thousands)	$		% of total securities		$		% of total securities		$		%
U.S. government treasuries	$	549,495	62.0	%	$	527,813	61.0	%	$	21,682	4.1	%
U.S. federal agencies securities	3,482		0.4	%	6,950		0.8	%	(3,468)		(49.9	%)
Mortgage-backed securities	4,136		0.5	%	6,477		0.7	%	(2,341)		(36.1	%)
Corporate bonds	110,438		12.4	%	106,799		12.4	%	3,639		3.4	%
State and municipal securities	219,381		24.7	%	217,403		25.1	%	1,978		0.9	%
Total securities	$	886,932	100.0	%	$	865,442	100.0	%	$	21,490	2.5	%


Held to Maturity:	As of and for the three months ended September 30,						As of and for the Nine Months Ended September 30,
(dollars in thousands)	2026			2025			2026			2025
Allowance for credit losses at the beginning of period	$	91		$	144		$	128		$	202
Recapture of credit losses	(27)			(11)			(64)			(69)
Total charge-offs	—			—			—			—
Total recoveries	—			—			—			—
Net (charge-offs) recoveries	—			—			—			—
Allowance for credit losses at end of period	$	64		$	133		$	64		$	133

Average HTM debt securities outstanding	$	215,321		$	287,019		$	234,424		$	292,065
Total outstanding HTM debt securities at end of each period	208,563			283,913			208,563			283,913
Ratio of allowance to total HTM debt securities outstanding at period end	0.03		%	0.05		%	0.03		%	0.05		%
Ratio of nonaccrual HTM securities to total HTM securities outstanding at period end	—		%	—		%	—		%	—		%
Ratio of allowance to nonaccrual debt securities at period end	—		%	—		%	—		%	—		%


	Remaining Contractual Maturity Held for Investment
(dollars in thousands)	One year or less		After one year through five years		After five years and through fifteen years		After fifteen years		Total
Fixed rate loans:
Commercial real estate	$	487	$	20,965	$	16,301	$	—	$	37,753
Commercial	1		1,033		590		—		1,624
Residential real estate, closed-end	80		5,369		26,609		4,027		36,085
Other consumer loans	70		2,011		—		—		2,081
Total fixed rate loans	$	638	$	29,378	$	43,500	$	4,027	$	77,543
Variable rate loans:
Commercial real estate	$	—	$	425	$	8,240	$	2,114	$	10,779
Commercial	22,616		5,693		1,251		—		29,560
Residential real estate, closed-end	—		541		2,125		163,455		166,121
Other consumer loans	365		8,373		11,682		—		20,420
Total variable rate loans	$	22,981	$	15,032	$	23,298	$	165,569	$	226,880
Total loans	$	23,619	$	44,410	$	66,798	$	169,596	$	304,423


	As of and for the Three Months Ended September 30,						As of and for the Nine Months Ended September 30,
(dollars in thousands)	2026			2025			2026			2025
Allowance for credit losses at the beginning of period	$	3,714		$	4,193		$	4,096		$	4,514
Provision for (recapture of) credit losses	507			(83)			125			(404)
Charge-offs	(36)			—			(36)			—
Recoveries	—			—			—			—
Allowance for credit losses at end of period	$	4,185		$	4,110		$	4,185		$	4,110

Average loans held for investment outstanding	$	285,992		$	285,671		$	278,286		$	296,194
Total loans outstanding at end of each period	304,423			284,084			304,423			284,084
Ratio of allowance to total loans outstanding at period end	1.37		%	1.45		%	1.37		%	1.45		%
Ratio of nonaccrual loans to total loans outstanding at period end	—			—			—			—
Ratio of allowance to nonaccrual loans at period end	—			—			—			—



	As of September 30, 2026				As of December 31, 2025				Change
(dollars in thousands)	Amount		% of total deposits		Amount		% of total deposits		$		%
Noninterest-bearing	$	1,765,096	85.5	%	$	1,254,695	79.8	%	$	510,401	40.7	%
Savings, interest-bearing checking and money market accounts	292,748		14.2	%	309,352		19.6	%	(16,604)		(5.4	%)
Time, $250 and over	3,068		0.1	%	4,787		0.3	%	(1,719)		(35.9	%)
Other time	4,025		0.2	%	4,446		0.3	%	(421)		(9.5	%)
Total	$	2,064,937	100.0	%	$	1,573,280	100.0	%	$	491,657	31.3	%


(dollars in thousands)	Three Months or Less		More than Three Months to Twelve Months		More than Twelve Months to Three Years		More than Three years		Total
Time deposits, uninsured	$	515	$	2,553	$	—	$	—	$	3,068


									Well- capitalized requirement
	September 30, 2026				December 31, 2025
($ in thousands)	Amount		Ratio		Amount		Ratio		Ratio
Total risk-based capital ratio	$	199,735	47.26	%	$	165,665	44.63	%	10.00	%
Tier 1 risk-based capital ratio	195,487		46.25	%	161,442		43.49	%	8.00	%
Common equity tier one risk-based capital ratio	195,487		46.25	%	161,442		43.49	%	6.50	%
Tier 1 leverage ratio	195,487		8.62	%	161,442		9.61	%	5.00	%


Change in interest rates (ramped)	-400 bps		-300 bps		-200 bps		-100 bps		+100 bps		+200 bps		+300 bps		+400 bps
September 30, 2026	(26.54	%)	(19.93	%)	(13.27	%)	(6.65	%)	6.67	%	13.30	%	19.93	%	26.64	%
December 31, 2025	(22.87	%)	(17.40	%)	(11.45	%)	(5.70	%)	5.75	%	11.52	%	17.21	%	23.00	%


Change in interest rates (immediate)	-400 bps		-300 bps		-200 bps		-100 bps		+100 bps		+200 bps		+300 bps		+400 bps
September 30, 2026	(64.43	%)	(49.35	%)	(32.68	%)	(16.18	%)	16.28	%	32.43	%	48.70	%	64.85	%
December 31, 2025	(46.37	%)	(38.21	%)	(25.29	%)	(12.41	%)	12.31	%	24.49	%	36.74	%	49.00	%


Change in interest rates	-400 bps		-300 bps		-200 bps		-100 bps		+100 bps		+200 bps		+300 bps		+400 bps
September 30, 2026	(24.67	%)	(18.14	%)	(11.67	%)	(5.61	%)	4.85	%	9.86	%	14.74	%	19.50	%
December 31, 2025	(11.85	%)	(9.65	%)	(5.65	%)	(2.65	%)	2.28	%	4.57	%	7.57	%	9.73	%


Number						Description
31.1						Certification of Chief Executive Officer Pursuant to Exchange Act Rules 13a-14(a) and 15d-14(a), as adopted pursuant to Section 302 of the Sarbanes-Oxley Act of 2002

31.2						Certification of Chief Financial Officer Pursuant to Exchange Act Rules 13a-14(a) and 15d-14(a) as adopted pursuant to Section 302 of the Sarbanes-Oxley Act of 2002

32.1						Certification of Chief Executive Officer and Chief Financial Officer Pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002

101						The following materials from the Company’s Quarterly Report on Form 10-Q for the quarter ended September 30, 2026, formatted in Inline XBRL: (i) Consolidated Balance Sheets, (ii) Consolidated Statements of Income, (iii) Consolidated Statements of Comprehensive Income, (iv) Consolidated Statements of Changes in Stockholders’ Equity, (v) Consolidated Statements of Cash Flows and (vi) Notes to Unaudited Consolidated Financial Statements.

104						Cover Page Interactive Data File, formatted as Inline XBRL (contained in Exhibit 101).


	CHAIN BRIDGE BANCORP, INC.

Dated: November 10, 2026	By:	/s/ John J. Brough
	Name:	John J. Brough
	Title:	Chief Executive Officer and Director (Principal Executive Officer)