Chain Bridge Bancorp (CBNA) investor relations material

Opening remarks and agenda

• The meeting was called to order by the Chairman, with all board members and executive officers introduced and present, including committee chairs and key executives.

• The meeting was conducted virtually, with procedural details and voting instructions provided to stockholders.

• Only stockholders of record as of April 20, 2026, were entitled to vote, and a quorum was confirmed.

Board and executive committee updates

• Recognition was given to retiring board member Paul W. Leavitt and the appointment of William Leavitt to the board effective January 1, 2026.

• Committee chairs for audit, IT, risk, trust oversight, asset liability, loan, governance, nominating, and compensation were acknowledged.

Financial performance review

• FY 2025 marked the first full year as a public company, following the IPO in October 2024.

• Net income for 2025 was $20.2 million, with book value per share rising to $25.79 from $21.98.

• No non-performing assets were reported at year-end; Tier 1 leverage ratio was 10.28%, and Tier 1 risk-based capital ratio was 46.52%.

• The trust and wealth department completed its fifth full year of operation.