Chain Bridge Bancorp, Inc. · NYSE:CBNA
Chain Bridge Bancorp — Raymond James 2026 U.S. Bank & Banking on Tech Conferences
26 slides from Chain Bridge Bancorp's conference presentation, Aug 31, 2026
Slide 1: Investor Presentation
I N V E S T O R P R E S E N T A T I O N Raymond James 2026 U.S. Bank & Banking on Tech Conferences Chicago | September 9 - 10, 2026 N Y S E : C B N A
Slide 2: Cautionary Note Regarding Forward-Looking Statements
Cautionary Note Regarding Forward-Looking Statements This presentation contains forward-looking statements within the meaning of the U.S. federal securities laws. Forward-looking statements involve risks and uncertainties. You should not place undue reliance on forward-looking statements because the
Slide 3: Our Executive Management Team
Our Executive Management Team Peter G. Fitzgerald Chairman of the Board John J. Brough II Chief Executive Officer and Director David M. Evinger President, Director; Chief Risk Officer (Company); Chief Credit Officer (Bank) Joanna R. Williamson Executive Vice President and Chief Financial Officer Hil
Slide 4: Company Overview
Company Overview 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 Office of the Comptroller of the Currency. ■ Founded: Incorpora
Slide 5: Share Structure (as of August 10, 2026)
Share Structure (as of August 10, 2026) Class A Common Stock 3,393,357 shares outstanding ■ Publicly traded ■ Entitled to one vote per share Class B Common Stock 3,168,460 shares outstanding ■ Entitled to 10 votes per share ■ Each share is convertible, at the option of the holder, into one share of
Slide 6: Key Ratios and Financial Performance
Key Ratios and Financial Performance (dollars in thousands, except per share data) As of or For the Six Months Ended June 30, 2026 As of or For the Twelve Months Ended December 31, 2025 December 31, 2024 December 31, 2023 December 31, 2022 December 31, 2021 Key Ratios Liquidity ratio1 94.03% 91.86%
Slide 7: Condensed Consolidated Balance Sheets
Condensed Consolidated Balance Sheets (dollars in thousands) 6/30/2026 12/31/20251 12/31/20241 12/31/20231 12/31/20221 12/31/20211 Cash and cash equivalents $ 821,766 $ 586,630 $ 410,739 $ 316,767 $ 98,663 $ 123,877 Debt Securities:2 U.S. Treasury securities 731,076 527,813 320,976 195,364 200,078 4
Slide 8: Historical Book Value Per Share
Historical Book Value Per Share1 Historical Performance from December 31, 2007, to June 30, 2026 $5.00 $10.00 $15.00 $20.00 $25.00 $5.36 $5.09 $5.64 $6.35 $7.85 $9.01 $8.53 $9.28 $9.59 $9.97 $14.31 $17.80 $15.06 $18.26 $21.98 1. Historical performance is not indicative of future results. Actual outc
Slide 9: Deposit Composition
Deposit Composition Deposits by Type as of June 30, 2026 Non-Transaction, 3.3% Total Deposits: $2.0B Transaction, 96.7% Transaction Accounts1/ Total Deposits 1. “Transaction accounts” are defined as set forth in the instructions to the Call Report (Consolidated Reports of Condition and Income) publi
Slide 10: Experience in Serving Political Organizations
Experience in Serving Political Organizations ■ Political organizations have historically represented a significant part of our deposit base, including: – Campaign committees – Non-committee 527 organizations – Party committees (national, state, and local) – Leadership PACs – Corporate and trade ass
Slide 11: Deposit Portfolio Seasonality
Deposit Portfolio Seasonality1 ($ in billions) Quarter-end Immediately Preceding a Presidential or Midterm Election 1. Deposits from political organizations vary with the federal election cycle and are inherently seasonal. Historical trends may not predict future behavior. For related risks, see “Ri
Slide 12: Liquidity Management
Liquidity Management Primary Sources of Liquidity $ in millions As of June 30, 2026 Cash Reserves Held at the Federal Reserve Bank 812.7 ICS® One-Way Sell® Deposits1 668.0 Available for Sale Securities (At Fair Value) 842.3 Total Primary Sources of Liquidity $2,323.0 Liquidity Ratio2 1. IntraFi Cash
Slide 13: Balance Sheet Allocation
Balance Sheet Allocation Gross Loans1/ Deposits Asset Distribution 10.2% 65.0% 23.3% 1.5% 12/31/2021 9.6% 57.5% 31.1% 1.8% 12/31/2022 26.3% 47.0% 25.2% 1.5% 12/31/2023 29.3% 47.0% 22.4% 1.3% 12/31/2024 33.5% 49.4% 15.7% 1.4% 12/31/2025 37.5% 48.6% 12.5% 1.4% 6/30/2026 Cash & Cash Equivalents Gross F
Slide 14: Fixed Income Securities Portfolio Overview
Fixed Income Securities Portfolio Overview Fixed Income Securities Composition as of June 30, 20261 Total Securities: $1.1B1 Fixed Income Securities Portfolio Breakdown by Maturity Due Date2 40.3% 30.6% 26.7% 2.4% 12/31/2021 7.4% 57.2% 33.2% 2.2% 12/31/2022 17.8% 53.3% 27.2% 1.7% 12/31/2023 42.2% 40
Slide 15: Lending Approach and Credit Risk Management
Lending Approach and Credit Risk Management Asset Composition as of June 30, 2026 Total Assets: $2.2B Loan Composition as of June 30, 2026 Gross Loans: $274.3M (12.5% of Assets) Our lending policies are designed to mitigate credit risk, which has historically resulted in low levels of non-performing
Slide 16: Loan Portfolio and Credit Quality
Loan Portfolio and Credit Quality CRE Loans1/ Total Risk-Based Capital2 300.00% ADC Loans3/ Total Risk-Based Capital2 100.00% Allowance for Credit Losses / Gross Loans Net Loan Charge-Offs / Average Loans4,5 No loan charge-offs since Q3 2017, with a total of $265,000 in net loan charge-offs since in
Slide 17: Overview of Trust and Wealth Division
Overview of Trust and Wealth Division Fiduciary and Financial Services Our Key Offerings and Division Highlights Include: Trust Services Our team manages a variety of trust types and offers both general and specialized trustee services We also provide executor and estate administration services for
Slide 18: Profitability and Returns
Profitability and Returns1 Net Income (in millions) Return on Average Assets & Return on Average Risk-Weighted Assets2 Return on Average Equity2 1. The above charts are presented for informational purposes only and should not be construed or relied upon as a forecast or guarantee of future performan
Slide 19: Key Performance Indicators
Key Performance Indicators Net Interest Margin1 Noninterest Income / Average Assets1 Noninterest Expense / Average Assets1 Efficiency Ratio 1. Information for the 2026 year-to-date period is for the six months ended June 30, 2026 and is presented on an annualized basis. Chain Bridge Bancorp, Inc. 19
Slide 20: Yields and Costs
Yields and Costs Yield on Average Interest-Earning Assets1 Yield on Cash2, Securities, and Loans1 Cost of Interest-Bearing Liabilities1 Cost of Funds1 1. Information for the 2026 year-to-date period is for the six months ended June 30, 2026 and is presented on an annualized basis. 2. Represents the
Slide 21: Capitalization
Capitalization1 Tangible Common Equity / Tangible Total Assets2 Double Leverage Ratio3 Tier 1 Leverage Ratio Tier 1 Risk-Based Capital and Total Risk-Based Capital Ratios 1. Company-level capital information is calculated in accordance with banking regulatory accounting principles specified by regul
Slide 22: Additional Information
Additional Information Where to Find More Information: ■ SEC Filings: www.sec.gov ■ Investor Relations Website: https://ir.chainbridgebank.com ■ Information Sourced from the Following Filings: – Quarterly Report on Form 10-Q (Dated August 11, 2026, as of June 30, 2026) – Earnings Release (Dated July
Slide 23: Appendix
Appendix
Slide 24: Historical Consolidated Balance Sheets
Historical Consolidated Balance Sheets (dollars in thousands, except share data) June 30, 2026 December 31, 20251 20241 20231 20221 20211 Assets Cash and due from banks $ 7,385 $ 4,882 $ 3,056 $ 6,035 $ 6,773 $ 3,028 Interest-bearing deposits in other banks 814,381 581,748 407,683 310,732 91,890 120
Slide 25: Historical Consolidated Statements of Income
Historical Consolidated Statements of Income (dollars in thousands) Six Months Ended Twelve Months Ended December 31,1 June 30, 2026 2025 2024 2023 2022 2021 Interest and dividend income Interest and fees on loans $ 6,103 $ 13,288 $ 13,787 $ 13,402 $ 11,311 $ 12,508 Interest and dividends on securit
Slide 26: | | ir.chainbridgebank.com
Chain Bridge Bancorp, Inc. | NYSE: CBNA | ir.chainbridgebank.com
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