Chain Bridge Bancorp (CBNA) Q4 2025 earnings summary

Executive summary

• Net income for Q4 2025 was $5.3 million, up from $4.7 million in Q3 2025 and $3.7 million in Q4 2024; full-year 2025 net income was $20.2 million, down from $20.9 million in 2024.

• Earnings per share for Q4 2025 was $0.81, and $3.08 for the full year, compared to $0.59 and $4.17 in the prior year periods.

• Book value per share rose to $25.79 at year-end 2025 from $21.98 at year-end 2024.

Financial highlights

• Total assets reached $1.75 billion at December 31, 2025, up from $1.4 billion a year earlier.

• Total deposits grew to $1.57 billion, up from $1.25 billion at year-end 2024.

• Net interest income for Q4 2025 was $13.6 million, up from $11.4 million in Q4 2024; full-year net interest income was $51.5 million, up from $44.4 million in 2024.

• Noninterest income for 2025 was $3.5 million, down from $8.6 million in 2024, mainly due to lower deposit placement services income.

• Noninterest expense for 2025 was $30.1 million, up from $26.8 million in 2024, driven by higher employment and operational costs.

Outlook and guidance

• Management highlights risks related to deposit concentrations, political organization deposit volatility, and market conditions.

• Forward-looking statements caution about interest rate changes, deposit flows, regulatory changes, and economic conditions.