Chain Bridge Bancorp (CBNA) Investor presentation summary

Business profile

• Delaware-chartered bank holding company with a nationally chartered commercial bank subsidiary; headquarters in McLean, Virginia, about 5 miles from Washington, D.C.

• Bank opened in 2007; OCC trust powers granted in 2020, with trust activities beginning in September 2020.

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

• Political organization deposits vary with federal election cycles and are inherently seasonal.

Balance sheet and liquidity

• At June 30, 2026, total assets were $2.19B, deposits were $2.00B, cash and cash equivalents were $821.8M, and debt securities totaled $1.07B.

• Liquidity ratio was 94.03% at June 30, 2026, versus 91.86% at Dec. 31, 2025; primary liquidity sources totaled $2.323B.

• Loan-to-deposit ratio was 13.70% at June 30, 2026, versus 17.46% at Dec. 31, 2025.

• Transaction accounts represented 96.7% of deposits at June 30, 2026; total deposits were $2.0B.

Lending and credit quality

• Gross loans were $274.3M, or 12.5% of assets, at June 30, 2026; residential real estate closed-end loans were 73.2% of gross loans and CRE loans were 16.9%.

• No loan charge-offs have occurred since Q3 2017; cumulative net loan charge-offs since inception were $265,000.

• No non-performing assets have been reported since June 2012.