CBNAMEDIUM SIGNALFINANCIAL10-K

Chain Bridge Bank demonstrated strong balance sheet growth with assets expanding 25% to $1.8 billion while significantly increasing cash reserves, though operating cash flow declined 28%.

The bank shows healthy expansion with deposit growth of 26% supporting asset growth, indicating successful customer acquisition and retention. However, the decline in operating cash flow combined with a massive 1,744% increase in capital expenditures suggests the bank is in a heavy investment phase that may pressure near-term profitability.

Comparing 2026-03-20 vs 2025-03-21View on EDGAR →
FINANCIAL ANALYSIS

Chain Bridge Bank exhibited robust balance sheet expansion with total assets growing 25% to $1.8 billion, driven by strong deposit growth of 26% to $1.6 billion and a substantial 43% increase in cash reserves to $587 million. Net interest income improved 16% reflecting the larger asset base, while stockholders' equity grew a healthy 17% to $169 million. However, operating cash flow declined 28% to $16 million while capital expenditures surged dramatically from $223K to $4.1 million, indicating the bank is investing heavily in growth infrastructure which may create near-term earnings pressure but positions for future expansion.

FINANCIAL STATEMENT CHANGES
Capital Expenditure
Cash Flow
+1743.9%
$223K→$4.1M

Capital expenditure jumped 1743.9% — major investment cycle underway; assess returns on deployment.

Cash & Equivalents
Balance Sheet
+42.8%
$410.7M→$586.6M

Cash position surged 42.8% — strong cash generation or capital raise providing significant financial cushion.

Operating Cash Flow
Cash Flow
-28.5%
$21.8M→$15.6M

Operating cash flow softened — monitor whether temporary working capital timing or structural deterioration.

Total Deposits
Balance Sheet
+25.9%
$1.2B→$1.6B

Deposits grew 25.9% — expanding customer base or increased trust in the institution.

Total Liabilities
Balance Sheet
+25.8%
$1.3B→$1.6B

Liabilities increased 25.8% — monitor debt-to-equity ratio and interest coverage.

Total Assets
Balance Sheet
+24.9%
$1.4B→$1.8B

Asset base grew 24.9% — expansion through organic growth, acquisitions, or capital deployment.

Stockholders Equity
Balance Sheet
+17.3%
$144.2M→$169.2M

Equity base grew 17.3% — retained earnings accumulation or equity issuance strengthening the balance sheet.

Net Interest Income
P&L
+16.2%
$48.1M→$55.8M

Net interest income grew 16.2% — benefiting from rate environment or loan book expansion.

LANGUAGE CHANGES
NEW — 2026-03-20
PRIOR — 2025-03-21
ADDED
As of March 19, 2026 , the registrant had outstanding 3,322,762 shares of Class A Common Stock, par value $0.01 per share and 3,239,055 shares of the registrant's Class B Common Stock, par value $0.01 per share.
Management's Discussion and Analysis of Financial Condition and Results of Operations 63 Item 7A.
AOCI Accumulated Other Comprehensive Income (Loss) ASU Accounting Standards Update AUA Assets Under Administration AUC Assets Under Custody AUM Assets Under Management Bank Chain Bridge Bank, N.A.
As of December 31, 2025, we held total assets of $1.8 billion, including $586.6 million in cash and cash equivalents, of which $580.9 million were interest-bearing reserves held at the Federal Reserve.
Our portfolio included $865.4 million in securities, with $527.8 million or 61.0% of that in U.S.
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REMOVED
The registrant has elected to use December 31, 2024 as the calculation date, which was the last business day of the registrant s most recently completed fiscal year, because on June 28, 2024 (the last business day of the registrant s second fiscal quarter), the registrant was a privately-held company.
As of March 20, 2025, the registrant had outstanding 3,119,317 shares of Class A Common Stock, par value $0.01 per share and 3,442,500 shares of the registrant's Class B Common Stock, par value $0.01 per share.
Management's Discussion and Analysis of Financial Condition and Results of Operations 63 Item 7A .
AOCI Accumulated Other Comprehensive Income (Loss) ASU Accounting Standards Update Bank Chain Bridge Bank, N.A.
As of December 31, 2024, we held total assets of $1.4 billion, including $410.7 million in cash and cash equivalents, of which $406.7 million were interest-bearing reserves held at the Federal Reserve.
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