CBNAMEDIUM SIGNALFINANCIAL10-K

Chain Bridge Bank demonstrated solid balance sheet growth with total assets expanding 25% to $1.8 billion, though operating cash flow declined meaningfully.

The bank shows healthy organic growth with deposits increasing 26% and a substantial build-up in cash reserves at the Federal Reserve, suggesting strong liquidity management. However, the 28% decline in operating cash flow warrants monitoring as it indicates potential pressure on operational efficiency despite revenue growth.

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 a 26% increase in deposits to $1.6 billion and a notable 43% increase in cash and equivalents to $586.6 million. Net interest income grew a healthy 16% to $55.8 million, reflecting the expanded asset base. However, operating cash flow declined 28% to $15.6 million, creating a mixed picture of strong growth coupled with operational cash generation challenges that merit investor attention.

FINANCIAL STATEMENT CHANGES
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.
Our total deposits stood at $1.6 billion, with stockholders equity at $169.2 million.
The OCC serves as our primary federal regulator, overseeing our operations and compliance with applicable federal banking laws and regulations.
To support our strategy of attracting commercial transaction account deposits, we emphasize services designed to attract commercial clients who manage high transaction volumes.
At December 31, 2025, 95.3% of our total deposits were held in transaction accounts.
For the year ended December 31, 2025, our cost of funds was 0.32%.
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.
Our portfolio included $659.0 million in securities, with $321.0 million or 48.7% of that in U.S.
Our total deposits stood at $1.2 billion, with stockholders equity at $144.2 million.
Initial Public Offering On October 4, 2024, the Company s Class A Common Stock began trading on the NYSE under the symbol CBNA .
We issued and sold an aggregate of 1,992,897 shares of our Class A Common Stock including 142,897 shares of Class A Common Stock sold pursuant to the underwriters partial exercise of their option to purchase additional shares, in our initial public offering, at a public offering price of $22.00 per share for aggregate net proceeds of $36.5 million after deducting underwriting discounts and offering expenses.
The initial closing of our initial public offering occurred on October 7, 2024, and the closing for the shares issued pursuant to the underwriters option occurred on November 1, 2024.
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