Chain Bridge Bancorp, Inc. · NYSE:CBNA
Chain Bridge Bancorp — Hovde Group 2026 Financial Services Conference
26 slides from Chain Bridge Bancorp's conference presentation, November 2026
Slide 1: Investor Presentation - Hovde Group 2026 Financial Services Conference
INVESTOR PRESENTATION Hovde Group 2026 Financial Services Conference Orlando | November 4 - 6, 2026 NYSE: CBNA
Slide 2: Cautionary Note Regarding Forward-Looking Statements
Cautionary Note Regarding Forward-Looking Statements This presentation contains forward-looking retain, and the seasonality of, client deposits, technologies based on distributed ledgers, and statements within the meaning of the U.S. federal including those in the ICS®1 network, as well as the their
Slide 3: Our Executive Management Team
Our Executive Management Team Peter G. Fitzgerald John J. Brough II David M. Evinger Chairman of the Board Chief Executive Officer and Director President, Director; Chief Risk Officer (Company); Chief Credit Officer (Bank) Joanna R. Williamson Hilary E. Albrecht James R. Pollock Executive Vice Presi
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 October 27, 2026)
Share Structure (as of October 27, 2026) Class A Common Stock Class B Common Stock 3,412,907 3,148,910 shares outstanding shares outstanding ■ Publicly traded ■ Entitled to 10 votes per share ■ Entitled to one vote 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 As of or For the Nine Months Ended As of or For the Twelve Months Ended September 30, December 31, December 31, December 31, December 31, December 31, (dollars in thousands, except per share data) 2026 2025 2024 2023 2022 2021 Key Ratios Liquidity ratio1 93.02% 9
Slide 7: Condensed Consolidated Balance Sheets
Condensed Consolidated Balance Sheets (dollars in thousands) 9/30/2026 12/31/20251 12/31/20241 12/31/20231 12/31/20221 12/31/20211 Cash and cash equivalents $ 1,041,584 $ 586,630 $ 410,739 $ 316,767 $ 98,663 $ 123,877 Debt Securities2: U.S. Treasury securities 549,495 527,813 320,976 195,364 200,078
Slide 8: Historical Book Value Per Share
Historical Book Value Per Share1 Historical Performance from December 31, 2007, to September 30, 2026 $32.50 $30.00 $29.24 $27.50 $25.79 $25.00 $22.50 $21.98 $20.00 $18.26 $17.80 $17.49 $17.50 $15.06 $15.00 $14.31 $12.50 $11.72 $11.01 $9.97 $10.00 $9.28 $9.59 $9.01 $8.53 $7.85 $7.50 $6.35 $5.36 $5.6
Slide 9: Deposit Composition
Deposit Composition Deposits by Type as of September 30, 2026 Non-Transaction, 3.4% Total Deposits: $2.1B Transaction, 96.6% Transaction Accounts1 / Total Deposits 96.6% 95.3% 93.3% 90.4% 89.9% 86.0% 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025 9/30/2026 1. “Transaction accounts” are defin
Slide 10: Experience in Serving Political Organizations
Experience in Serving Political Organizations ■ Political organizations have historically represented a significant part of our deposit base, including: – Campaign committees – Non-committee 527 organizations – Party committees (national, state, and local) – Leadership PACs – Corporate and trade ass
Slide 11: Deposit Portfolio Seasonality
Deposit Portfolio Seasonality1 ($ in billions) Quarter-end immediately preceding a presidential or midterm election (third quarter of even years) $2.25 $2.06 $2.00 $2.00 $1.74 $1.75 $1.57 $1.57 $1.50 $1.43 $1.36 $1.30$1.31$1.27 $1.30 $1.28 $1.25 $1.25 $1.14 $1.11$1.14 $1.07 $1.00 $1.02 $1.01 $1.00 $
Slide 12: Liquidity Management
Liquidity Management Primary Sources of Liquidity $ in millions As of September 30, 2026 Cash Reserves Held at the Federal Reserve Bank $ 1,029.8 ICS One-Way Sell Deposits1 498.5 Available for Sale Securities (At Fair Value) 678.4 Total Primary Sources of Liquidity $ 2,206.7 Liquidity Ratio2 91.86%
Slide 13: Balance Sheet Allocation
Balance Sheet Allocation Gross Loans1 / Deposits 33.6% 24.9% 27.4% 25.1% 17.5% 14.7% 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025 9/30/2026 Asset Distribution Cash & Cash Equivalents Gross Fixed Income Securities Gross Loans Other Assets 1.5% 1.8% 1.5% 1.3% 1.4% 1.4% 15.7% 13.4% 23.3% 25.2
Slide 14: Fixed Income Securities Portfolio Overview
Fixed Income Securities Portfolio Overview Fixed Income Securities Composition as of September 30, 20261 State and municipal securities, 24.7% Gross Securities: $886.9M¹ U.S. government treasuries, 62.0% Corporate bonds, 12.4% Other securities, 0.9% Fixed Income Securities Portfolio Breakdown by Mat
Slide 15: Lending Approach and Credit Risk Management
Lending Approach and Credit Risk Management Asset Composition as of September 30, 2026 Loan Composition as of September 30, 2026 Cash & Equivalents, 46.0% Other Assets, 1.4% Residential real estate closed-end, Gross Loans, 13.4% Gross Loans: $202.2M, Total Assets: $304.4M 66.4% $2.3B (13.4% of Asset
Slide 16: Loan Portfolio and Credit Quality
Loan Portfolio and Credit Quality CRE Loans1 / Total Risk-Based Capital2 ADC Loans3 / Total Risk-Based Capital2 Chain Bridge Bank, N.A. Regulatory Guidance Chain Bridge Bank, N.A. Regulatory Guidance 300.00% 100.00% 57.53% 51.02% 45.38% 27.78% 9.36% 11.39% 20.55% 16.71% 5.13% 1.37% 1.78% 0.00% 12/31
Slide 17: Overview of Trust & Wealth Department
Overview of Trust & Wealth Department Fiduciary and Financial Services Our Key Offerings and Department Highlights Include: Trust Services Wealth Management and Planning Custody Services Our team manages a variety of We offer personalized investment Our custody services focus on trust types and offe
Slide 18: Profitability and Returns
Profitability and Returns1 Net Income (in millions) Q3 YTD Q4 $27.5 $20.9 $20.2 $3.7 $5.3 $27.5 $8.3 $8.8 $7.0 $17.2 $2.6 $3.3 $14.9 $1.1 $5.7 $5.5 $5.9 2021 2022 2023 2024 2025 9/30/2026 YTD Return on Average Assets & Return on Average Risk-Weighted Assets2 Return on Average Equity2 Return on Avera
Slide 19: Key Performance Indicators
Key Performance Indicators Net Interest Margin1 Noninterest Income / Average Assets1 3.46% 3.39% 3.47% 2.70% 2.08% 2.05% 0.66% 0.55% 0.33% 0.24% 0.32% 0.23% 2021Y 2022Y 2023Y 2024Y 2025Y 9/30/2026 YTD 2021Y 2022Y 2023Y 2024Y 2025Y 9/30/2026 YTD Noninterest Expense / Average Assets1 Efficiency Ratio
Slide 20: Yields and Costs
Yields and Costs Yield on Average Interest-Earning Assets1 Yield on Cash2, Securities, and Loans1 3.75% Cash Securities Loans 3.67% 3.60% 6.00% 5.00% 4.54% 3.10% 4.00% 3.73% 3.00% 3.25% 2.00% 2.11% 1.00% 2.15% —% 2021Y 2022Y 2023Y 2024Y 2025Y 9/30/2026 2021Y 2022Y 2023Y 2024Y 2025Y 9/30/2026 YTD YTD
Slide 21: Capitalization
Capitalization1 Tangible Common Equity / Tangible Total Assets2 Double Leverage Ratio3 10.30% 107.19% 107.19% 105.82% 9.67% 8.47% 97.52% 93.33% 6.67% 6.92% 5.71% 82.35% 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025 9/30/2026 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025 9/30/2026 T
Slide 22: Additional Information
Additional Information Where to Find More Information: Investor Relations Contact: ■ SEC Filings: www.sec.gov Hilary E. Albrecht ■ Investor Relations Website: https://ir.chainbridgebank.com Senior Vice President, Corporate Secretary and Counsel ■ Information Sourced from the Following Filings: – Con
Slide 23: Appendix
Appendix
Slide 24: Historical Consolidated Balance Sheets
Historical Consolidated Balance Sheets December 31, September 30, (dollars in thousands, except share data) 2026 20251 20241 20231 20221 20211 Assets Cash and due from banks $ 11,180 $ 4,882 $ 3,056 $ 6,035 $ 6,773 $ 3,028 Interest-bearing deposits in other banks 1,030,404 581,748 407,683 310,732 91
Slide 25: Historical Consolidated Statements of Income
Historical Consolidated Statements of Income Nine Months Ended Twelve Months Ended December 31,1 (dollars in thousands) September 30, 2026 2025 2024 2023 2022 2021 Interest and dividend income Interest and fees on loans $ 9,445 $ 13,288 $ 13,787 $ 13,402 $ 11,311 $ 12,508 Interest and dividends on s
Slide 26: Chain Bridge Bancorp, Inc. | NYSE: CBNA
Chain Bridge Bancorp, Inc. | NYSE: CBNA | ir.chainbridgebank.com
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