Business Description

Our Company Chain Bridge Bancorp, Inc. is a Delaware-chartered bank holding company and the parent of its wholly-owned subsidiary, Chain Bridge Bank, N.A., a nationally chartered commercial bank with fiduciary powers granted by the OCC. The Company was incorporated on May 26, 2006, and the Bank opened on August 6, 2007. The Company conducts substantially all of its operations through the Bank and has no other subsidiaries. We offer a range of commercial and personal banking services, including deposits, treasury management, payments, loans, commercial lending, residential mortgage financing, consumer loans, trusts and estate administration, wealth management, and asset custody. Our mission is to deliver exceptional banking and trust services nationwide, blending financial strength, personalized service, and advanced technology to offer tailored solutions to businesses, non-profit organizations, political organizations, individuals, and families. Our vision is to grow responsibly by adapting our personalized service and advanced technology solutions to our clients’ evolving needs while emphasizing liquidity, asset quality, and financial strength. We aim to be recognized for our “ Strength, Service, Solutions: Your Bridge to Better Banking Nationwide .” 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. Treasury securities. Net loans held for investment, after accounting for deferred fees and costs and allowances, totaled $270.7 million. Our total deposits stood at $1.6 billion, with stockholders’ equity at $169.2 million. Approximately 95.3% of these deposits were held in transaction accounts (as such term is defined in the instructions for the Call Report, which the Bank files with the FFIEC on a quarterly basis). Our loan-to-deposit ratio was 17.46%. Additionally, we hold excess deposits sold one-way to other participating banks through the IntraFi Cash Service ® (ICS ® ). For our clients that opt into the ICS ® network, this service allows us to place their deposits in increments up to the FDIC insurance limits at other banks within the ICS ® network. In exchange, we may elect to either receive reciprocal deposits from other banks within the ICS ® network or place the deposits at other banks as “One-Way Sell ® ” deposits and receive a deposit placement fee. See “Management’s Discussion and Analysis of Financial Condition and Results of Operations — Financial Condition — Deposits” for more information on ICS ® deposits. Our Regulatory Framework and Banking Philosophy Chain Bridge Bank, N.A. operates under a national charter with full fiduciary powers granted by the OCC. Our national charter allows us to offer banking services across state lines without additional state banking licenses. The OCC serves as our primary federal regulator, overseeing