Chain Bridge Bancorp (CBNA) investor relations material

Executive summary

• Net income for the six months ended June 30, 2026 was $16.6 million, up from $10.2 million year-over-year, with EPS rising to $2.53 from $1.55.

• Q2 2026 net income was $9.5 million, up from $7.1 million in Q1 2026 and $4.6 million in Q2 2025.

• Book value per share increased to $27.99 as of June 30, 2026, from $23.92 a year earlier.

• Total assets reached $2.2 billion as of June 30, 2026, up from $1.4 billion a year earlier.

• The company maintained high liquidity and capital ratios, with a liquidity ratio of 94.03% and a total risk-based capital ratio of 50.45%.

Financial highlights

• Net interest income after recapture of credit losses was $32.4 million for the six months ended June 30, 2026, up 24.6% year-over-year.

• Net interest income for Q2 2026 was $17.1 million, up from $14.9 million in Q1 2026 and $11.8 million in Q2 2025.

• Noninterest income surged 252.1% to $5.4 million for the first half, with Q2 2026 at $2.9 million, driven by deposit placement services and trust/wealth management fees.

• Noninterest expense increased 14.7% to $16.9 million for the first half, with Q2 2026 at $8.0 million.

• Return on average equity was 18.94% for the first half and 21.20% annualized for Q2 2026; return on average assets was 1.75% for the first half and 1.90% for Q2 2026.

Outlook and guidance

• Management expects continued sensitivity to short-term interest rates, with net interest income likely to decrease if rates fall.

• Deposit levels are expected to remain cyclical, influenced by federal election cycles and political organization activity.

• Forward-looking statements caution about risks from interest rates, deposit flows, regulatory changes, and economic conditions.

• The company remains focused on maintaining high liquidity and capital to manage risks from uninsured deposits and economic uncertainty.