# CHAIN BRIDGE BANK NA
MCLEAN, VA · FDIC certificate 58595 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $2.19B | |
| Deposits | $2.01B | |
| Loans and leases | $274.3M | |
| Total equity | $178.4M | |
| Loans / deposits | 13.48% (p2 of band) | 87.10% |
| Liquid assets / assets | 86.15% (p99 of band) | |
| Uninsured deposits / deposits | 80.87% (p99 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p6 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.13% (p16 of band) | 10.50% |
| Unrealized securities loss / equity | -10.49% (p39 of band) | -7.75% |
| AOCI / equity | -1.21% (p14 of band) | |
| ROA (annualized) | 1.86% (p84 of band) | 1.26% |
| Net interest margin | 3.34% (p28 of band) | 3.70% |
| Efficiency ratio | 40.43% (p9 of band) | |
| Noncurrent loans | 0.00% (p2 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p18 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 97% | |
| Construction % of loans | 2.33% (p6 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $500,000 (0% of equity) (p73 of band) | |
| Deposits YoY | 55.0% | |
| Employees | 99 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 2 | uninsured deposits leaving |  |
| 2012-12 | 0 |  | capital falling, uninsured deposits leaving |
| 2013-03 | 1 | uninsured deposits >50% |  |
| 2013-06 | 3 | deposits shrinking, assets shrinking |  |
| 2013-09 | 3 |  |  |
| 2013-12 | 1 |  | deposits shrinking, assets shrinking |
| 2014-03 | 1 |  |  |
| 2014-06 | 2 | capital falling |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 1 |  | capital falling |
| 2015-03 | 1 |  |  |
| 2015-06 | 2 | capital falling |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 1 |  | capital falling |
| 2016-03 | 1 |  |  |
| 2016-06 | 2 | capital falling |  |
| 2016-09 | 3 | leverage <7% |  |
| 2016-12 | 1 |  | capital falling, leverage <7% |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2017-12 | 1 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2018-03 | 1 |  |  |
| 2018-06 | 2 | capital falling |  |
| 2018-09 | 3 | leverage <7% |  |
| 2018-12 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving | capital falling, leverage <7% |
| 2019-03 | 4 |  |  |
| 2019-06 | 5 | capital falling |  |
| 2019-09 | 2 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2019-12 | 1 |  | capital falling |
| 2020-03 | 1 |  |  |
| 2020-06 | 3 | leverage <7%, capital falling |  |
| 2020-09 | 4 | NIM <2.5% |  |
| 2020-12 | 2 |  | leverage <7%, capital falling |
| 2021-03 | 3 | expense ratio p90 |  |
| 2021-06 | 6 | leverage <7%, deposits shrinking, assets shrinking |  |
| 2021-09 | 3 |  | expense ratio p90, deposits shrinking, assets shrinking |
| 2021-12 | 3 |  |  |
| 2022-03 | 6 | capital falling, securities losses >30% of equity, expense ratio p90 |  |
| 2022-06 | 5 | AOCI drag >20% of equity | capital falling, expense ratio p90 |
| 2022-09 | 5 |  |  |
| 2022-12 | 7 | deposits shrinking, assets shrinking, uninsured deposits leaving | leverage <7% |
| 2023-03 | 5 |  | NIM <2.5%, AOCI drag >20% of equity |
| 2023-06 | 5 |  |  |
| 2023-09 | 5 |  |  |
| 2023-12 | 2 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2024-03 | 3 | capital falling |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 2 |  | securities losses >30% of equity |
| 2024-12 | 1 |  | capital falling |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 2 | uninsured deposits leaving |  |
| 2025-12 | 2 | capital falling | uninsured deposits leaving |
| 2026-03 | 1 |  | capital falling |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2024-10-04 [Chain Bridge Bancorp IPO: stock price will be closely watched today as bank popular with Republicans lists on the NYSE - Fast Company](https://news.google.com/rss/articles/CBMinwFBVV95cUxQaHNMRDVhdzdxWC11bVpsVE1wUTZXTE9scE5vT1FaQkJqSlBrbkN1QUQ1aS1OamVSR1J6UTZsT2lqOF9BNndYXzFCOVkyNjBZbGRNVy1YRFNScm45VDZvMHZKMWd2NkZLWFhjRmV1VDlONUFsN2FLMXFtTTJyelIyeFNHM2JmREVHMm9zLS1IZE9BQ2ktTmRKQm9UdGYtU0U?oc=5) · Fast Company
- 2026-08-31 [Chain Bridge Bancorp (NASDAQ: CBNA) highlights 94% liquidity, $2B deposits - Stock Titan](https://news.google.com/rss/articles/CBMiswFBVV95cUxNMnhidnV3NUVXaXh5RHg5TWQ0WVhTY0tvOFp6aDRSeGJLeUNmTFVMRHJ5YXhMN00xellvOWVSb1lYQ1RuLVhjY2hfNHZWenpsckJvSk4xQUg4aHFWdjFBdmxndUZRT3VleWtOcExlNHdSN1FIRTk3d1d6bE04dHNlT3dvb1p3UnVDQjRBTnRZTmtQeFJ0Y3JfNTVfbnowOWZvRFpXMzF1cV9lWGRwUTc4akNmQQ?oc=5) · Stock Titan
- 2026-03-05 [Rich Danker - ProPublica](https://news.google.com/rss/articles/CBMikgFBVV95cUxNX2NuZmZtQUpfZE5IR0QzNUJSYzNYMjJJLVBGMEhRRFZMLXY5LXI5TFY2a0IzMVIwQnllV1FsNU1pcUdWeHpXT3pkeEVMaENQdUZRa0hlREt1YnRpeks4a2xPa012VktRUGNDSzBiSklBaEE5RVdMb2JSWVdJUFlOZG14YWxMX29RVXlPcUszcS1LZw?oc=5) · ProPublica
- 2022-02-25 [COMMENTARY: JPMorgan sues California for indemnity in canceled $457 mln COVID mask deal - Reuters](https://news.google.com/rss/articles/CBMiwAFBVV95cUxNcG5ITTZ2d1V5ZmU4Snd4YURmT3JfdTdzYUIzNW1wRU9iWmVSbWs2Nm11RHh1YU9uWXNERlk3U3ZpTnF5d05KSGxoLVFmZzkxUkJWd2x5RGJjcG9wdlhFSGl4N2UzdFljZzdGY21Pa3Y5UzlnaGZXVlNnQ3hZTVNxMmN3QS1TeVhWQzkydjFrcV9ab2hWOXlsU1VSVnlGM2lKT3hIejJGQXJYOFAxdE8ybTlqY25xaldRNXpzajAxZEw?oc=5) · Reuters
- 2019-01-16 [Prominent Attorney, Business Leader Jonathan Missner Elected Director of Chain Bridge Bank, N.A. - GlobeNewswire](https://news.google.com/rss/articles/CBMi-AFBVV95cUxQSUNRQXdVVENNN0Zoa1RyVjRUTGFMcS00UGhSZExVUDA3SGo2YURYZ0N1bmtsRXNSWV9JMXVGMzZEV0VIRkQta3FXOC0tY2Vnd3VieV9xSnYtQzItM2NrMnZNOC03RXVDY0FKdHFtOEhiUUtFWWdLRWpaeXFrV2pvUVFrYWZsVnNDREhkZWlTaE94UVlDeGxKT09iYVpuTThIOFNob1I1d2ZRV21yTVVqOUIzeUY1X3g3R2JKTFRpUl9ydXFPSk5jZGxFamY4Y3dDUTBJWkFfT0hldkNseU44Z0dtdnV2dE1NNzlWVXk1blh4ZjJ5NkV6Vg?oc=5) · GlobeNewswire
- 2026-07-28 [Chain Bridge Bancorp (NYSE: CBNA) Q2 2026 profit climbs to $9.5M - Stock Titan](https://news.google.com/rss/articles/CBMiswFBVV95cUxNSmJLR0Z5UkhBbnF2a2NlVHc4M0RJWjhaUnRla085ZW1OY1FnZFFCRnZyZGFYR0FST1Bnam9LQk9hOHFIWXpXZ296NVc0TUhnZTFTSHU1ZFB2TWc0WEU0SndrRTh1OGR2cDl5d1dkVVdsdDl4V3NrZ1dvMENfTHd4N0VGeU9uWkw2b1kyZzJFaGFEbTVlN2Q0T1dzSmZHeEd6M2l3M1pETU96YU5oVl8xSjF6UQ?oc=5) · Stock Titan
- 2018-05-05 [Potomac Bancshares, Inc., welcomes new Executive VP, Chief Lending Officer - journal-news.net](https://news.google.com/rss/articles/CBMi9gFBVV95cUxNaG8zX3BpSXRlOTRjRHpYSm0wbS1hZEFJWmVOeWNBNlowRlBZSUNyb0hUSlZJcGZScFZ3Y3oza19fb2tZQ0tJTXFMcjFsd2xWZnhhYUJjTk5aa2xnRXl6NFllNGJJS0dPVGRBYnZ3Yzl3NndHeG1IUjlZUjJOdTZYbzRiakR6dDZ3aWgwTEFRZWo4RXJNcHlHb2s4aVA1SjZ4SWFHZGdJeFNIMkRtTl93d29QSk1uQ25pVTVFdzN3bDg3Y1VYdDVsV01VNWUyNVAwR1ptMkZQLXlSMzJEel94dlBweHVwUFZQbHFiZXdJNVozQk1Hd3c?oc=5) · journal-news.net
- 2026-09-01 [America’s Greatest Mid-Market Companies 2026 - Newsweek Rankings](https://news.google.com/rss/articles/CBMifkFVX3lxTE4tQ1B6SGVKcExVY1hzcm9iMWRIcUhKUlNIRGxMNkNHMml5akg1MWZOZ1VaMW1rZkhKMHFVSnQ3NUFZTTZnVldEdlA5dXlZLVJPNW40OHV6Wm1OdzZOOHh0SlIzTHNyNWRpbnJvbTNncjVzMG13LXZ6cjlnWEZDZw?oc=5) · Newsweek Rankings

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58595 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/35.json (key "58595", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide