Regulatory profile
Mclean, VA · FDIC certificate #58595 · RSSD 3597211
CHAIN BRIDGE BANK NA is an FDIC-insured institution based in Mclean, VA (FDIC certificate #58595). In its Q3 2026 Call Report it reported total assets of $2.3B, total deposits of $2.1B and net loans of $300M. Its primary federal regulator is OCC. Its current parent is CHAIN BRIDGE BANCORP, INC..
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CHAIN BRIDGE BANK NA is compared with 890 verified institutions in its asset cohort for Q3 2026. A percentile of 50 means the bank sits at the cohort median; higher means a larger value than most peers, which is better or worse depending on the metric.
Brokered deposits to domestic deposits: CHAIN BRIDGE BANK NA reported 0.000, in the 0.0th percentile of 890 peers, where the median is 0.016. Common equity tier 1 ratio: CHAIN BRIDGE BANK NA reported 0.481, in the 98.4th percentile of 673 peers, where the median is 0.135. Selected CRE loans to gross loans and leases: CHAIN BRIDGE BANK NA reported 0.169, in the 5.5th percentile of 862 peers, where the median is 0.468. Selected CRE loans to total capital: CHAIN BRIDGE BANK NA reported 0.247, in the 3.8th percentile of 659 peers, where the median is 2.970. Domestic secured CRE noncurrent ratio: CHAIN BRIDGE BANK NA reported 0.000, in the 0.0th percentile of 872 peers, where the median is 0.003. Deposit funding ratio: CHAIN BRIDGE BANK NA reported 0.915, in the 98.3th percentile of 902 peers, where the median is 0.850. Unadjusted YTD efficiency ratio: CHAIN BRIDGE BANK NA reported 0.404, in the 6.9th percentile of 887 peers, where the median is 0.596. Bank equity to assets: CHAIN BRIDGE BANK NA reported 0.081, in the 8.3th percentile of 894 peers, where the median is 0.104. Cash and securities to assets: CHAIN BRIDGE BANK NA reported 0.861, in the 99.3th percentile of 895 peers, where the median is 0.208. Quarterly loan growth: CHAIN BRIDGE BANK NA reported 0.003, in the 25.8th percentile of 886 peers, where the median is 0.018. Loan-to-asset ratio: CHAIN BRIDGE BANK NA reported 0.123, in the 1.7th percentile of 902 peers, where the median is 0.732. Domestic loans to domestic deposits: CHAIN BRIDGE BANK NA reported 0.137, in the 0.9th percentile of 890 peers, where the median is 0.881. Net interest margin: CHAIN BRIDGE BANK NA reported 3.340, in the 28.1th percentile of 902 peers, where the median is 3.704. Net loans and leases: CHAIN BRIDGE BANK NA reported 270571.000, in the 1.7th percentile of 902 peers, where the median is 1384981.000. Nonaccrual loans ratio: CHAIN BRIDGE BANK NA reported 0.000, in the 0.0th percentile of 887 peers, where the median is 0.005. Noncurrent loans ratio: CHAIN BRIDGE BANK NA reported 0.000, in the 0.0th percentile of 887 peers, where the median is 0.005. Return on assets: CHAIN BRIDGE BANK NA reported 1.864, in the 84.0th percentile of 902 peers, where the median is 1.260. Return on equity: CHAIN BRIDGE BANK NA reported 21.610, in the 92.7th percentile of 894 peers, where the median is 12.185. Securities to assets: CHAIN BRIDGE BANK NA reported 0.487, in the 97.9th percentile of 895 peers, where the median is 0.147. Selected unused commitments to assets: CHAIN BRIDGE BANK NA reported 0.008, in the 21.4th percentile of 417 peers, where the median is 0.025. Time deposits maturing within one year: CHAIN BRIDGE BANK NA reported 0.968, in the 81.8th percentile of 880 peers, where the median is 0.914. Total assets: CHAIN BRIDGE BANK NA reported 2192216.000, in the 54.2th percentile of 902 peers, where the median is 2016575.000. Total deposits: CHAIN BRIDGE BANK NA reported 2006523.000, in the 59.2th percentile of 902 peers, where the median is 1666886.000. Efficiency ratio (official UBPR): CHAIN BRIDGE BANK NA reported 0.403, in the 7.4th percentile of 875 peers, where the median is 0.591. Net interest margin (official UBPR): CHAIN BRIDGE BANK NA reported 0.034, in the 34.0th percentile of 875 peers, where the median is 0.036. Interest Income (TE) as a percent of Average Assets: CHAIN BRIDGE BANK NA reported 0.035, in the 1.7th percentile of 875 peers, where the median is 0.052. Interest Expense as a percent of Average Assets: CHAIN BRIDGE BANK NA reported 0.001, in the 0.7th percentile of 875 peers, where the median is 0.018. Net Interest Income (TE) % of Avg Assets: CHAIN BRIDGE BANK NA reported 0.034, in the 40.7th percentile of 875 peers, where the median is 0.035. Noninterest Income as a percent of Average Assets: CHAIN BRIDGE BANK NA reported 0.006, in the 51.5th percentile of 875 peers, where the median is 0.006. Non-Interest Expense as a percent of Average Assets: CHAIN BRIDGE BANK NA reported 0.016, in the 8.0th percentile of 875 peers, where the median is 0.024. Provision for Loan Losses % of Avg Assets: CHAIN BRIDGE BANK NA reported -0.000, in the 4.0th percentile of 875 peers, where the median is 0.001. Pretax Operating Income (TE) % of Avg Assets: CHAIN BRIDGE BANK NA reported 0.024, in the 89.1th percentile of 875 peers, where the median is 0.016. Realized Gains(Losses) on the sale of Securities as a percent of Average Assets: CHAIN BRIDGE BANK NA reported 0.000, in the 8.6th percentile of 875 peers, where the median is 0.000. Pretax Net Operating Income (TE) as a percent of Average Assets: CHAIN BRIDGE BANK NA reported 0.024, in the 89.0th percentile of 875 peers, where the median is 0.016. Net Operating Income as a percent of Average Assets: CHAIN BRIDGE BANK NA reported 0.019, in the 84.3th percentile of 875 peers, where the median is 0.013. Net Income Adjusted for Sub Chapter S Status as a percent of Average Assets: CHAIN BRIDGE BANK NA reported 0.019, in the 89.5th percentile of 875 peers, where the median is 0.012. Average Earning Assets as a percent of Average Assets: CHAIN BRIDGE BANK NA reported 0.983, in the 92.0nd percentile of 875 peers, where the median is 0.956. Average Interest-Bearing Funds as a percent of Average Assets: CHAIN BRIDGE BANK NA reported 0.145, in the 1.1th percentile of 875 peers, where the median is 0.723. Interest Income (TE) as a percent of Average Earning Assets: CHAIN BRIDGE BANK NA reported 0.035, in the 1.0st percentile of 875 peers, where the median is 0.055. Net Interest Income (TE) as a percent of Average Earning Assets: CHAIN BRIDGE BANK NA reported 0.034, in the 34.0th percentile of 875 peers, where the median is 0.037. Net Loss as a percent of Average Total Loans and Leases: CHAIN BRIDGE BANK NA reported 0.000, in the 8.4th percentile of 867 peers, where the median is 0.000. Total LN&LS-30-89 DAYS Past Due %: CHAIN BRIDGE BANK NA reported 0.000, in the 0.0th percentile of 867 peers, where the median is 0.003. Net Loans & Leases as a percent of Total Deposits: CHAIN BRIDGE BANK NA reported 0.135, in the 0.9th percentile of 870 peers, where the median is 0.872. Net Income Attributed to Minority Interests as a percent of Average Assets: CHAIN BRIDGE BANK NA reported 0.000, in the 0.3th percentile of 875 peers, where the median is 0.000. Unrealized holding gains (losses) on equity securities not held for trading as a percent of average assets: CHAIN BRIDGE BANK NA reported 0.000, in the 4.7th percentile of 875 peers, where the median is 0.000. Provision for Losses Other Assets % of Avg Assets: CHAIN BRIDGE BANK NA reported 0.000, in the 22.1th percentile of 875 peers, where the median is 0.000. Pre Provision Net Revenue YTD % of Average Assets (TE): CHAIN BRIDGE BANK NA reported 0.024, in the 84.3th percentile of 875 peers, where the median is 0.017. Return on assets (official UBPR): CHAIN BRIDGE BANK NA reported 0.019, in the 84.3th percentile of 875 peers, where the median is 0.013. Return on equity (official UBPR): CHAIN BRIDGE BANK NA reported 0.216, in the 92.8th percentile of 874 peers, where the median is 0.122. Estimated uninsured to domestic deposits: CHAIN BRIDGE BANK NA reported 0.809, in the 98.9th percentile of 829 peers, where the median is 0.310.
Peer history below covers 23 quarters of CHAIN BRIDGE BANK NA's reported assets, deposits, net loans, ROA, ROE and NIM, most recently Q3 2026.
| Metric | Bank value | Peer median | Percentile | Peers |
|---|---|---|---|---|
| Brokered deposits to domestic deposits | 0.000 | 0.016 | 0.0th | 890 |
| Common equity tier 1 ratio | 0.481 | 0.135 | 98.4th | 673 |
| Selected CRE loans to gross loans and leases | 0.169 | 0.468 | 5.5th | 862 |
| Selected CRE loans to total capital | 0.247 | 2.970 | 3.8th | 659 |
| Domestic secured CRE noncurrent ratio | 0.000 | 0.003 | 0.0th | 872 |
| Deposit funding ratio | 0.915 | 0.850 | 98.3th | 902 |
| Unadjusted YTD efficiency ratio | 0.404 | 0.596 | 6.9th | 887 |
| Bank equity to assets | 0.081 | 0.104 | 8.3th | 894 |
| Cash and securities to assets | 0.861 | 0.208 | 99.3th | 895 |
| Quarterly loan growth | 0.003 | 0.018 | 25.8th | 886 |
| Loan-to-asset ratio | 0.123 | 0.732 | 1.7th | 902 |
| Domestic loans to domestic deposits | 0.137 | 0.881 | 0.9th | 890 |
| Net interest margin | 3.340 | 3.704 | 28.1th | 902 |
| Net loans and leases | 270571.000 | 1384981.000 | 1.7th | 902 |
| Nonaccrual loans ratio | 0.000 | 0.005 | 0.0th | 887 |
| Noncurrent loans ratio | 0.000 | 0.005 | 0.0th | 887 |
| Return on assets | 1.864 | 1.260 | 84.0th | 902 |
| Return on equity | 21.610 | 12.185 | 92.7th | 894 |
| Securities to assets | 0.487 | 0.147 | 97.9th | 895 |
| Selected unused commitments to assets | 0.008 | 0.025 | 21.4th | 417 |
| Time deposits maturing within one year | 0.968 | 0.914 | 81.8th | 880 |
| Total assets | 2192216.000 | 2016575.000 | 54.2th | 902 |
| Total deposits | 2006523.000 | 1666886.000 | 59.2th | 902 |
| Efficiency ratio (official UBPR) | 0.403 | 0.591 | 7.4th | 875 |
| Net interest margin (official UBPR) | 0.034 | 0.036 | 34.0th | 875 |
| Interest Income (TE) as a percent of Average Assets | 0.035 | 0.052 | 1.7th | 875 |
| Interest Expense as a percent of Average Assets | 0.001 | 0.018 | 0.7th | 875 |
| Net Interest Income (TE) % of Avg Assets | 0.034 | 0.035 | 40.7th | 875 |
| Noninterest Income as a percent of Average Assets | 0.006 | 0.006 | 51.5th | 875 |
| Non-Interest Expense as a percent of Average Assets | 0.016 | 0.024 | 8.0th | 875 |
| Provision for Loan Losses % of Avg Assets | -0.000 | 0.001 | 4.0th | 875 |
| Pretax Operating Income (TE) % of Avg Assets | 0.024 | 0.016 | 89.1th | 875 |
| Realized Gains(Losses) on the sale of Securities as a percent of Average Assets | 0.000 | 0.000 | 8.6th | 875 |
| Pretax Net Operating Income (TE) as a percent of Average Assets | 0.024 | 0.016 | 89.0th | 875 |
| Net Operating Income as a percent of Average Assets | 0.019 | 0.013 | 84.3th | 875 |
| Net Income Adjusted for Sub Chapter S Status as a percent of Average Assets | 0.019 | 0.012 | 89.5th | 875 |
| Average Earning Assets as a percent of Average Assets | 0.983 | 0.956 | 92.0nd | 875 |
| Average Interest-Bearing Funds as a percent of Average Assets | 0.145 | 0.723 | 1.1th | 875 |
| Interest Income (TE) as a percent of Average Earning Assets | 0.035 | 0.055 | 1.0st | 875 |
| Net Interest Income (TE) as a percent of Average Earning Assets | 0.034 | 0.037 | 34.0th | 875 |
| Net Loss as a percent of Average Total Loans and Leases | 0.000 | 0.000 | 8.4th | 867 |
| Total LN&LS-30-89 DAYS Past Due % | 0.000 | 0.003 | 0.0th | 867 |
| Net Loans & Leases as a percent of Total Deposits | 0.135 | 0.872 | 0.9th | 870 |
| Net Income Attributed to Minority Interests as a percent of Average Assets | 0.000 | 0.000 | 0.3th | 875 |
| Unrealized holding gains (losses) on equity securities not held for trading as a percent of average assets | 0.000 | 0.000 | 4.7th | 875 |
| Provision for Losses Other Assets % of Avg Assets | 0.000 | 0.000 | 22.1th | 875 |
| Pre Provision Net Revenue YTD % of Average Assets (TE) | 0.024 | 0.017 | 84.3th | 875 |
| Return on assets (official UBPR) | 0.019 | 0.013 | 84.3th | 875 |
| Return on equity (official UBPR) | 0.216 | 0.122 | 92.8th | 874 |
| Estimated uninsured to domestic deposits | 0.809 | 0.310 | 98.9th | 829 |
Peers
| Ratio | Value | Peer median | Percentile | Band | Direction |
|---|---|---|---|---|---|
| Brokered deposits to domestic deposits | 0.000 | 0.016 | 0 | Top 50% | lower is better |
| Common equity tier 1 ratio | 0.481 | 0.135 | 98 | Top 50% | higher is better |
| Selected CRE loans to gross loans and leases | 0.169 | 0.468 | 5 | No band | no single better direction |
| Selected CRE loans to total capital | 0.247 | 2.970 | 4 | No band | no single better direction |
| Domestic secured CRE noncurrent ratio | 0.000 | 0.003 | 0 | Top 50% | lower is better |
| Deposit funding ratio | 0.915 | 0.850 | 98 | No band | no single better direction |
| Unadjusted YTD efficiency ratio | 0.404 | 0.596 | 7 | Top 50% | lower is better |
| Bank equity to assets | 0.081 | 0.104 | 8 | Bottom 20% | higher is better |
| Cash and securities to assets | 0.861 | 0.208 | 99 | Top 50% | higher is better |
| Quarterly loan growth | 0.003 | 0.018 | 26 | No band | no single better direction |
| Loan-to-asset ratio | 0.123 | 0.732 | 2 | No band | no single better direction |
| Domestic loans to domestic deposits | 0.137 | 0.881 | 1 | No band | no single better direction |
| Net interest margin | 3.340 | 3.704 | 28 | 21–35% | higher is better |
| Net loans and leases | 270571.000 | 1384981.000 | 2 | No band | no single better direction |
| Nonaccrual loans ratio | 0.000 | 0.005 | 0 | Top 50% | lower is better |
| Noncurrent loans ratio | 0.000 | 0.005 | 0 | Top 50% | lower is better |
| Return on assets | 1.864 | 1.260 | 84 | Top 50% | higher is better |
| Return on equity | 21.610 | 12.185 | 93 | Top 50% | higher is better |
| Securities to assets | 0.487 | 0.147 | 98 | No band | no single better direction |
| Selected unused commitments to assets | 0.008 | 0.025 | 21 | No band | no single better direction |
| Time deposits maturing within one year | 0.968 | 0.914 | 82 | No band | no single better direction |
| Total assets | 2192216.000 | 2016575.000 | 54 | No band | no single better direction |
| Total deposits | 2006523.000 | 1666886.000 | 59 | No band | no single better direction |
| Efficiency ratio (official UBPR) | 0.403 | 0.591 | 7 | Top 50% | lower is better |
| Net interest margin (official UBPR) | 0.034 | 0.036 | 34 | No band | no single better direction |
| Interest Income (TE) as a percent of Average Assets | 0.035 | 0.052 | 2 | No band | no single better direction |
| Interest Expense as a percent of Average Assets | 0.001 | 0.018 | 1 | No band | no single better direction |
| Net Interest Income (TE) % of Avg Assets | 0.034 | 0.035 | 41 | No band | no single better direction |
| Noninterest Income as a percent of Average Assets | 0.006 | 0.006 | 51 | No band | no single better direction |
| Non-Interest Expense as a percent of Average Assets | 0.016 | 0.024 | 8 | No band | no single better direction |
| Provision for Loan Losses % of Avg Assets | -0.000 | 0.001 | 4 | No band | no single better direction |
| Pretax Operating Income (TE) % of Avg Assets | 0.024 | 0.016 | 89 | No band | no single better direction |
| Realized Gains(Losses) on the sale of Securities as a percent of Average Assets | 0.000 | 0.000 | 9 | No band | no single better direction |
| Pretax Net Operating Income (TE) as a percent of Average Assets | 0.024 | 0.016 | 89 | No band | no single better direction |
| Net Operating Income as a percent of Average Assets | 0.019 | 0.013 | 84 | No band | no single better direction |
| Net Income Adjusted for Sub Chapter S Status as a percent of Average Assets | 0.019 | 0.012 | 89 | No band | no single better direction |
| Average Earning Assets as a percent of Average Assets | 0.983 | 0.956 | 92 | No band | no single better direction |
| Average Interest-Bearing Funds as a percent of Average Assets | 0.145 | 0.723 | 1 | No band | no single better direction |
| Interest Income (TE) as a percent of Average Earning Assets | 0.035 | 0.055 | 1 | No band | no single better direction |
| Net Interest Income (TE) as a percent of Average Earning Assets | 0.034 | 0.037 | 34 | No band | no single better direction |
| Net Loss as a percent of Average Total Loans and Leases | 0.000 | 0.000 | 8 | No band | no single better direction |
| Total LN&LS-30-89 DAYS Past Due % | 0.000 | 0.003 | 0 | No band | no single better direction |
| Net Loans & Leases as a percent of Total Deposits | 0.135 | 0.872 | 1 | No band | no single better direction |
| Net Income Attributed to Minority Interests as a percent of Average Assets | 0.000 | 0.000 | 0 | No band | no single better direction |
| Unrealized holding gains (losses) on equity securities not held for trading as a percent of average assets | 0.000 | 0.000 | 5 | No band | no single better direction |
| Provision for Losses Other Assets % of Avg Assets | 0.000 | 0.000 | 22 | No band | no single better direction |
| Pre Provision Net Revenue YTD % of Average Assets (TE) | 0.024 | 0.017 | 84 | No band | no single better direction |
| Return on assets (official UBPR) | 0.019 | 0.013 | 84 | No band | no single better direction |
| Return on equity (official UBPR) | 0.216 | 0.122 | 93 | No band | no single better direction |
| Estimated uninsured to domestic deposits | 0.809 | 0.310 | 99 | Bottom 20% | lower is better |
Peers
| Measure | This bank | Change in peer median | Difference | Peer percentile today |
|---|---|---|---|---|
| Total assets | 51.70% | 0.93% | +50.78 pts | 54 |
| Total deposits | 54.98% | 0.47% | +54.51 pts | 59 |
| Net loans and leases | -4.60% | -2.40% | -2.20 pts | 2 |
The peer figure is the change in the peer-group median, which is not the same as the median of each peer's own growth. Treat it as a guide to whether the bank is growing faster or slower than its group.
Peers
Share of the 15 closest banks by size (in the same state) that grew or shrank last quarter.
| Measure | Growing | Shrinking | Banks reporting |
|---|---|---|---|
| Total assets | 46.67% | 53.33% | 15 |
| Total deposits | 26.67% | 73.33% | 15 |
| Net loans and leases | 93.33% | 6.67% | 15 |
Quarter-over-quarter change from each bank's latest filing. A bank with no change counts in neither column. Credit events such as new nonaccrual loans need each peer's own filings and are not shown here.
Based on the 15 closest banks by size.
Peer interpretation
$1B–$10B asset cohort · 895 institutions
Deterministic peer comparison, not a regulatory rating or diagnosis. “Opportunity” means lower favorable percentile within this asset cohort.
Period-matched peer context
Percentiles use 890 verified constituents for the same filing period.
Historical peer positioning
Period-matched asset cohort. Position describes the distribution only; it is not a rating.
| Metric | 2023-12 | 2024-03 | 2024-06 | 2024-09 | 2024-12 | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 | 2026-09 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total assetsASSET | < P25 | < P25 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | — |
| Total depositsDEP | < P25 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | — |
| Net loansLNLSNET | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | — |
| Return on assetsROA | P25–75 | > P75 | > P75 | > P75 | > P75 | > P75 | > P75 | P25–75 | P25–75 | > P75 | > P75 | — |
| Return on equityROE | P25–75 | > P75 | > P75 | > P75 | > P75 | > P75 | > P75 | > P75 | > P75 | > P75 | > P75 | — |
| Net interest marginNIMY | < P25 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | — |
Cohorts are matched separately for each reporting period. Above or below a peer quartile can be favorable, unfavorable, or neutral depending on the measure and context.