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Q2 2026 · read from the 30 June 2026 Call Report · United States · Southeast · Virginia, the state note

Chain Bridge Bank N.A.

Mclean, Virginia · $2.19B in assets · beside the 11 other Virginia banks between $1B and $3B

The filing

13.7%
Loans / deposits
1st of 12
8.1%
Equity / assets
12th of 12
0.00%
NPA / loans
1st of 12

Chain Bridge Bank N.A. is the sixth largest of the 12 Virginia banks nearest its size between $1B and $3B, with $2.19B in assets at 30 June 2026. Loans are 13.7% of deposits, the lowest in the cohort against a median of 91.1%, and equity is 8.1% of assets, the lowest in the cohort. Loans grew -4.7% in the year, 11th of 12, and deposits grew 55.0%; the cohort's median loan growth is +3.7%.

Nothing on the book is noncurrent; 0.00% is 30 to 89 days past due, and the allowance is 1.4% of loans, 2nd of 12. Commercial real estate is 12.6% of loans, the lowest in the cohort against a median of 41.6%, and 18% of capital, below the 300% screen, with construction at 2% against the 100% screen.

Return on assets is 1.81%, 2nd of 12 against a median of 1.17%, on an efficiency ratio of 40.4%, the lowest in the cohort. Five years ago it was 0.09%. The question this shape raises is what the liquidity earns, and what a rate path does to the securities book and the deposit base.

Commercial real estate, share of loansVA banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 41.6% CB Chain Bridge Bank N.A. 12.6% Bo Bank of Clarke 32.0% NB National Bank of Blacksburg 39.4% BR Blue Ridge Bank N.A. 39.6% FB First Bank 40.0% VN Virginia National Bank 41.2% CF Citizens & Farmers Bank 41.9% CB Chesapeake Bank 42.3% F Fvcbank 46.2% OD Old Dominion National Bank 47.4% JM John Marshall Bank 54.1% MB Mainstreet Bank 58.9%
Loans, year over yearVA banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +3.7% CB Chesapeake Bank +18.5% MB Mainstreet Bank +9.0% OD Old Dominion National Bank +8.2% CF Citizens & Farmers Bank +6.0% JM John Marshall Bank +5.1% Bo Bank of Clarke +4.4% FB First Bank +3.0% F Fvcbank +1.6% NB National Bank of Blacksburg +0.3% VN Virginia National Bank -0.6% CB Chain Bridge Bank N.A. -4.7% BR Blue Ridge Bank N.A. -6.9%

SBA 7(a), FY2008 to FY2026

Chain Bridge Bank N.A. is the 150th largest 7(a) lender into Virginia of 332, with $5M across 20 loans, 0.1% of everything approved in the state (Live Oak Banking Company leads with $669M). 8 of its 8 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Virginia, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Fairfax, VA$4M56th of 1690.3%quiet FY2018
Alexandria City, VA$800K49th of 830.4%quiet FY2014
District Of Columbia, DC$550K103rd of 1300.1%quiet FY2015
Stafford, VA$500K49th of 670.4%quiet FY2013
Montgomery, MD$329K115th of 1440.0%quiet FY2018
Fairfax City, VA$225K46th of 530.3%quiet FY2018
Arlington, VA$50K71st of 730.0%quiet FY2018
Prince Georges, MD$50K135th of 1380.0%quiet FY2017
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Professional & technical services16$5M73.8%0.01%478th of 1,955
Administrative & waste services3$500K8.2%0.00%1038th of 1,763
Other services5$454K7.4%0.00%1518th of 2,248
Retail trade1$400K6.5%0.00%1985th of 2,589
Information1$150K2.4%0.00%744th of 958
7(a) lenders into Virginia, share of approvals since FY2008332 lenders on record; the ten largest and Chain Bridge Bank N.A.
LO Live Oak Banking Company 9.2% $669M · 493 loans TB Truist Bank 6.8% $497M · 1,580 loans WF Wells Fargo Bank National Associa… 5.0% $365M · 1,549 loans AU Atlantic Union Bank 4.0% $294M · 765 loans Ma Manufacturers and Traders Trust C… 3.5% $254M · 1,602 loans TH The Huntington National Bank 3.0% $219M · 454 loans FN First National Bank of Pennsylvan… 2.4% $176M · 195 loans PB Primis Bank 2.4% $175M · 522 loans G Gbank 2.3% $170M · 69 loans TF The First Bank and Trust Company 2.2% $161M · 227 loans CB Chain Bridge Bank National Associ… 0.1% $5M · 20 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
Chain Bridge Bank N.A.RankCohort median
Total CRE against capital, the 300% screen18%1st of 12261%
Construction against capital, the 100% screen2%1st of 1244%
Construction and land development, share of loans1.5%1st of 127.5%
Non-owner-occupied nonfarm nonresidential, share of loans7.9%1st of 1226.2%
Total CRE, the guidance definition, share of loans12.6%1st of 1241.6%
CRE growth over 36 months, the third prong-27.8%1st of 12+15.2%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Citizens & Farmers Bank$2.79B1.3%64.8%0.09%0.57%1.8%90.7%11.7%
John Marshall Bank$2.40B1.2%49.1%0.01%0.01%1.0%100.9%12.3%
Fvcbank$2.36B1.4%48.8%0.59%0.00%1.0%92.3%11.8%
Blue Ridge Bank N.A.$2.31B0.0%89.8%1.68%0.03%1.2%98.0%10.6%
Mainstreet Bank$2.24B0.9%65.0%3.15%0.03%1.0%100.5%12.5%
Chain Bridge Bank N.A.$2.19B1.8%40.4%0.00%0.00%1.4%13.7%8.1%
First Bank$2.07B1.1%67.3%0.32%0.09%1.0%80.6%9.4%
Bank of Clarke$1.85B1.0%62.5%1.07%0.29%1.2%93.9%12.0%
National Bank of Blacksburg$1.83B0.6%59.2%0.06%0.02%1.0%61.4%9.2%
Old Dominion National Bank$1.80B0.8%61.4%0.85%0.26%0.9%91.5%10.7%
Chesapeake Bank$1.72B1.7%65.8%0.24%0.07%1.1%75.0%10.7%
Virginia National Bank$1.64B1.9%44.6%0.47%0.00%0.7%87.5%11.9%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Chain Bridge Bank N.A.Cohort median
20212026Change20212026Change
Loans$314M$274M-13%$1.02B$1.50B+46%
Deposits$916M$2.01B+119%$1.47B$1.87B+27%
NPA / loans0.00%0.00%+0.00 pts0.26%0.39%+0.14 pts
Efficiency99.4%40.4%-58.9 pts65.5%61.9%-3.5 pts
ROA0.09%1.81%+1.71 pts1.21%1.17%-0.05 pts

This read was prepared for Chain Bridge Bank N.A.'s board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Chain Bridge Bank N.A. is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort VA banks $1B to $3B
Institution www.chainbridgebank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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