Chain Bridge Bancorp, Inc.

Chain Bridge Bancorp, Inc. (CBNA) reported solid performance in FY 2025, with total assets reaching $1.75B, up from $1.4B in 2024, driven by deposit growth to $1.57B from $1.25B. Net income was $20.2M, slightly down from $20.9M in 2024, reflecting higher noninterest expenses of $30.1M versus prior year, amid net interest income growth to $51.5M from $44.4M. Key drivers included total interest and dividend income of $55.8M, boosted by $19.6M from interest-bearing deposits and $21.8M from taxable securities, offset by $4.3M interest expense. A $492K recapture of credit losses enhanced net interest income after provision to $52.0M. Noninterest income fell to $3.5M from higher prior deposit placement fees. EPS was $3 basic and diluted, compared to $4.17 prior year. Balance sheet strength evident in $169.2M equity and $586.6M cash equivalents. Operating cash flow $15.6M supported liquidity, with financing inflows of $323.3M funding investing outflows of $163.0M. The bank's conservative strategy emphasizes liquidity (91.86% ratio) and low loan-to-deposit (17.46%), positioning for stable growth amid election cycle deposits.

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