Chain Bridge Bancorp (CBNA) Q3 2026 earnings summary

Executive summary

• Q3 net income rose to $10.9M from $4.7M a year earlier; diluted EPS was $1.66 vs. $0.72. Nine-month net income was $27.5M vs. $14.9M.

• Q3 net interest income reached $19.9M and net interest margin was 3.53%; deposit-driven cash inflows supported growth in interest-earning assets.

Financial highlights

• Q3 net interest income was $19.9M, up 61.8% YoY; net interest margin was 3.53% vs. 3.35%.

• Q3 noninterest income rose 243.6% to $2.9M, including $2.0M from deposit-placement services; noninterest expense increased 16.3% to $8.5M.

• Nine-month net interest income was $51.9M, up 36.8%; noninterest income was $8.3M, up 248.9%, and noninterest expense was $25.4M, up 15.2%.

• Assets were $2.27B and deposits $2.06B at September 30, 2026, vs. $1.53B and $1.36B a year earlier; loans grew 10.8% to $304.4M from year-end 2025.

Outlook and guidance

• Election-related deposit outflows were underway and expected to continue through Q4 2026, possibly into early 2027; timing and magnitude may differ from historical patterns.

• From October 1 to November 9, on-balance-sheet deposits ranged $1.5B–$2.1B and One-Way Sell deposits ranged $168.5M–$507.9M; at November 9, balances were $1.5B and $170.7M, respectively.

• Asset-sensitive positioning means falling rates could reduce net interest income; a 12-month model showed a 6.65% decline under a ramped -100 bps scenario and a 6.67% increase under +100 bps.