Chain Bridge Bancorp Inc (NYSE: CBNA) is a Delaware-chartered bank holding company that operates through 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. It generates revenue primarily through net interest income, the spread between yields on interest-earning assets and the cost of interest-bearing liabilities, plus noninterest income from deposit placement services, trust and wealth management fees, service charges, and gains on mortgage loan sales. As of December 31, 2025, the company held total assets of $1.8 billion, including $586.6 million in cash and cash equivalents. The bank operates from a single banking office and serves a nationwide client base, including businesses, non-profit organizations, political organizations, individuals, and families. Its loan portfolio included 44 non-conforming single-family residential jumbo mortgage loans with an aggregate balance of $82.0 million as of December 31, 2025.

Revenue model

Net interest income is the primary revenue source, derived from the spread between interest-earning asset yields and interest-bearing liability costs. Noninterest income includes deposit placement services fees (One-Way Sell deposits), service charges on accounts, trust and wealth management fees, gains on mortgage loan sales, and net gains or losses on securities sales.

Products and services

Commercial and personal banking services including deposits, treasury management, payments, commercial loans, residential mortgage financing, consumer loans, trust and estate administration, wealth management, and asset custody. Deposit placement services include the One-Way Sell product line recorded as noninterest income.

Customers and end markets

Businesses, non-profit organizations, political organizations, individuals, and families served on a nationwide basis. The company has material exposure to clients whose business models or income streams are tied to federal expenditures in the Washington, D.C. metropolitan area, creating concentration risk tied to federal employment and contracting activity.

Value-chain role

Community and specialty bank operating as a single-office, nationwide-reach depository institution and fiduciary. Relies on third-party vendors for core banking technology, online banking, loan servicing, debit and credit card services, mortgage origination, trust accounting, and data processing.

Geographic exposure

Single banking office model serving a nationwide client base, with material economic exposure to the Washington, D.C. metropolitan area due to client concentration in federal government-related sectors.

Source: SEC 10-K, filed 2026-03-20

Industry: National Commercial Banks