Revenue: As of FY2026 Q1, the actual value is USD 17.96 M.

EPS: As of FY2026 Q1, the actual value is USD 1.08, beating the estimate of USD 0.91.

EBIT: As of FY2026 Q1, the actual value is USD -6.051 M.

Net Income

Chain Bridge Bancorp, Inc. reported a consolidated net income of $7.1 million for the first quarter ended March 31, 2026, an increase from $5.3 million in the fourth quarter of 2025 and $5.6 million in the first quarter of 2025. The quarter-over-quarter increase was primarily driven by a $1.4 million increase in net interest income, a $1.3 million increase in deposit placement services, and $379 thousand in credit loss recaptures, which more than offset an $841 thousand rise in noninterest expense. Compared to the first quarter of 2025, net income was $1.5 million higher, primarily due to a $1.5 million increase in deposit placement services and a $1.1 million improvement in net interest income, partially offset by a $1.3 million increase in noninterest expense .

Book Value Per Share

Book value per share was $26.65 as of March 31, 2026, an increase from $25.79 at December 31, 2025, and $23.09 at March 31, 2025. The first quarter of 2026 net income contributed to a $5.7 million increase in stockholders’ equity, partially offset by a $1.4 million increase in accumulated other comprehensive loss .

Net Interest Income and Margin

Net interest income for the first quarter of 2026 was $14.9 million, up from $13.6 million in the fourth quarter of 2025 and $13.8 million in the first quarter of 2025. The net interest margin was 3.41% in the first quarter of 2026, an increase from 3.26% in the fourth quarter of 2025, but a decrease from 3.56% in the first quarter of 2025 .

Noninterest Income

Total noninterest income totaled $2.4 million in the first quarter of 2026, significantly higher than $1.1 million in the fourth quarter of 2025 and $695 thousand in the first quarter of 2025. Deposit placement services income, a key component, was $1.7 million in the first quarter of 2026, compared to $372 thousand in the prior quarter and $133 thousand in the prior year’s first quarter. Trust and wealth management income was $434 thousand in the first quarter of 2026, compared to $416 thousand in the fourth quarter of 2025 and $270 thousand in the first quarter of 2025 .

Noninterest Expenses

Total noninterest expense for the first quarter of 2026 was $8.8 million, up from $8.0 million in the fourth quarter of 2025 and $7.6 million in the first quarter of 2025. The increase from the previous quarter was primarily due to higher professional services fees, while the year-over-year increase also reflected higher salaries and an increased number of employees .

Balance Sheet and Related Highlights

Total assets reached $1.9 billion as of March 31, 2026, compared to $1.8 billion at December 31, 2025, and $1.7 billion at March 31, 2025. Total deposits were $1.7 billion as of March 31, 2026, up from $1.6 billion at both December 31, 2025, and March 31, 2025. ICS® One-Way Sell® deposits (off-balance sheet) increased to $595.0 million at March 31, 2026, from $359.9 million at December 31, 2025, and $93.2 million at March 31, 2025, with political organization deposit inflows contributing to a $501.8 million year-over-year increase in these deposits .

Liquidity and Asset Quality

The Company’s liquidity ratio was 92.73% at March 31, 2026, an improvement from 91.86% at December 31, 2025, and 89.14% at March 31, 2025. The loan-to-deposit ratio was 15.76% at March 31, 2026, decreasing from 17.46% at December 31, 2025, and 19.26% at March 31, 2025. Non-performing assets to total assets remained at 0.00% across all periods presented .

Capital Ratios

As of March 31, 2026, the tangible common equity to tangible total assets ratio was 9.11%, down from 9.67% at December 31, 2025, but up from 8.77% at March 31, 2025. The Tier 1 leverage ratio was 9.94%, compared to 10.28% at December 31, 2025, and 9.88% at March 31, 2025. The Tier 1 risk-based capital ratio was 47.63% (up from 46.52% in Q4 2025 and 40.24% in Q1 2025) and the total risk-based capital ratio was 48.65% (up from 47.66% in Q4 2025 and 41.43% in Q1 2025) .

Trust & Wealth Department

Total assets under administration (AUA) for the Trust & Wealth Department were $711.7 million as of March 31, 2026, which included $221.7 million in assets under management (AUM) and $490.1 million in assets under custody (AUC). This represents an increase from $610.7 million in AUA ($215.4 million AUM, $395.3 million AUC) at December 31, 2025, and $409.4 million in AUA ($137.8 million AUM, $271.6 million AUC) at March 31, 2025. These increases reflect account growth and asset inflows .

Outlook / Guidance

Forward-looking statements involve risks and uncertainties, and actual results could materially differ from expectations. The company does not commit to updating or revising any forward-looking statements unless legally required. Future results are subject to numerous uncertainties and factors, including changes in government policies, interest rates, inflation, deposit levels, and economic conditions .