Chain Bridge Bancorp (CBNA) investor relations material

Business profile and governance

• McLean, Virginia-based bank holding company; wholly owned national bank subsidiary received OCC trust powers in 2020, and shares began trading on the NYSE in October 2024.

• Political organizations have historically been a significant deposit base; services include digital onboarding, transaction accounts, payment processing and treasury management.

• As of October 27, 2026, Class A had 3,412,907 shares outstanding with one vote each; Class B had 3,148,910 shares with 10 votes each, and Class B holders collectively held a majority of voting power.

Financial position and liquidity

• At September 30, 2026, assets were $2.266B, deposits $2.065B, cash and cash equivalents $1.042B, debt securities $886.9M and net loans $300.2M.

• Transaction accounts represented 96.6% of deposits at September 30, 2026; the loan-to-deposit ratio was 14.74%.

• Primary liquidity sources totaled $2.207B at September 30, 2026, including $1,029.8M in Federal Reserve cash reserves, $498.5M in ICS One-Way Sell deposits and $678.4M in AFS securities.

• Liquidity ratio was 93.02% at September 30, 2026; Tier 1 and total risk-based capital ratios were 47.36% and 48.36%, respectively.

Earnings and operating metrics

• Net income was $27.5M for the nine months ended September 30, 2026, versus $20.2M in the comparable 2025 period; basic and diluted EPS were $4.19 versus $3.08.

• Annualized 9M 2026 return on average assets was 1.81%, return on average equity 20.31%, and net interest margin 3.47%.

• Annualized 9M 2026 noninterest expense / average assets was 1.68%; efficiency ratio was 42.26%.