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Here are 1-2 brief analogies to describe Chain Bridge Bancorp (CBNA):

• A boutique Northern Trust (known for wealth and trust management) that also operates as a full commercial bank, with a unique focus on managing large, high-liquidity deposits.

• It's like the private banking arm of a major institution such as JPMorgan, but as an independent, full-service bank specializing in wealth management and attracting unique, high-value deposits nationwide.

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• Banking Services
  • Deposits: Offering a range of accounts for individuals, businesses, non-profit organizations, and political organizations to hold funds.
  • Treasury Management: Providing solutions to help businesses efficiently manage their cash flow, liquidity, and financial operations.
  • Payments: Facilitating various payment processing services for clients.
  • Commercial Lending: Providing loans and financing solutions to businesses.
  • Residential Mortgage Financing: Offering loans to individuals for the purchase or refinancing of residential properties.
  • Consumer Loans: Providing loans to individuals for personal use.
  • IntraFi Cash Service® (ICS®) / One-Way Sell® Deposits: A service enabling the placement of client deposits into a network of other banks, often in exchange for a deposit placement fee.
• Trust & Wealth Management Services
  • Trusts and Estate Administration: Managing trusts and administering estates according to client wishes and legal requirements.
  • Wealth Management: Providing comprehensive financial planning, investment advice, and asset management services.
  • Asset Custody: Safekeeping and managing clients' financial assets on their behalf.

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Chain Bridge Bancorp serves a diverse client base, offering tailored financial solutions to the following categories of customers:

1. Businesses and Non-Profit Organizations: These clients utilize services such as commercial lending, deposits, treasury management, and payments.
2. Political Organizations: The bank specifically notes serving political organizations, which contribute significantly to its deposit base, particularly during election cycles.
3. Individuals and Families: This category of customers benefits from personal banking services, residential mortgage financing, consumer loans, trusts and estate administration, wealth management, and asset custody.

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IntraFi Network LLC

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John J. Brough, II Chief Executive Officer and Director

Mr. Brough joined Chain Bridge Bancorp, Inc. as an Organizer, Chief Executive Officer, and director in July 2006. He became a director and the founding Chief Executive Officer of Chain Bridge Bank, N.A. on August 6, 2007, the day the Bank commenced operations. He earned his B.S. and M.B.A. degrees from Georgetown University and also participated in the Georgetown International Management Graduate Business Program at Oxford University, England. Mr. Brough maintained his CPA license from 1999 to 2017.

Joanna R. Williamson, CPA Executive Vice President and Chief Financial Officer

Ms. Williamson joined Chain Bridge Bank, N.A. in August 2015 as Vice President and Controller. In January 2018, she was appointed Treasurer of the Company and later assumed the role of Senior Vice President and Chief Financial Officer of the Bank. She was promoted to Executive Vice President of the Bank in January 2023. As of January 2024, she holds the position of Executive Vice President and Chief Financial Officer of both Chain Bridge Bancorp, Inc. and Chain Bridge Bank, N.A.

David M. Evinger President, Chief Risk Officer and Director

Mr. Evinger joined Chain Bridge Bancorp, Inc. in July 2006 as an Organizer and became Executive Vice President and Chief Credit Officer of the Bank on August 6, 2007. He was promoted to President of Risk Management in 2018 and to President of the Bank in 2020. The Company's Board promoted him to President of the Company in 2013, and he was elected to the Company's Board in 2016 and the Bank's board of directors in 2018.

Peter G. Fitzgerald Chairman of the Board

Mr. Fitzgerald founded Chain Bridge Bank in 2007, two years after concluding his tenure as a U.S. Senator. The bank was established and capitalized, in part, with family wealth. His father, Gerald F. Fitzgerald, previously chaired Chicago's Suburban Bancorp, which was sold to Bank of Montreal in 1994 for $246 million. The extended Fitzgerald family has a history in banking, having owned, co-owned, or managed approximately 57 community banks since the 1940s. Prior to his time in the U.S. Senate from 1999 to 2005, Mr. Fitzgerald served in the Illinois State Senate from 1993 to 1998 and held board positions at several commercial banks between 1988 and 1998.

James R. Pollock Senior Vice President and Corporate Development Officer

Mr. Pollock joined Chain Bridge Bancorp, Inc. on August 12, 2024, as Senior Vice President, Corporate Development Officer of the Company and Chief Commercial Lending Officer of the Bank. Before joining, he worked at Wilmington Trust, a subsidiary of M&T Bank Corporation, from 2015 until August 2024, where he most recently served as Senior Vice President and Head of Relationship Management.

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Key Risks to Chain Bridge Bancorp (CBNA)

1. Expected Deposit Outflows Post-2024 Federal Elections: The company explicitly anticipates deposit outflows during the third and fourth quarters of 2024, potentially extending into early 2025. This is a direct consequence of an increase in deposits from political organizations ahead of the 2024 federal elections, which significantly boosted net income for the six months ended June 30, 2024, by increasing interest-earning assets and non-interest income from One-Way Sell® deposits. The reversal of these deposits poses a risk to the company's financial performance.
2. Concentration Risk from Political Organization Deposits: Chain Bridge Bancorp's recent growth in net income was primarily driven by an increase in deposits from political organizations. This reliance on a specific, cyclical, and potentially volatile source of deposits creates a concentration risk. The expected outflows post-election highlight the inherent instability associated with these types of deposits, which could lead to fluctuations in interest-earning assets and overall profitability in future election cycles or periods of reduced political activity.

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Chain Bridge Bancorp (CBNA) operates within several addressable markets across the United States, offering a range of commercial and personal banking services.

• Commercial Banking: The U.S. commercial banking market size is estimated at USD 765.53 billion in 2026.
• Personal Banking (Retail Banking): The United States retail banking market was valued at USD 870 billion in 2025 and is estimated to grow to USD 906.3 billion in 2026.
• Commercial Lending: The commercial lending market in North America is expected to reach a valuation of USD 5,700.0 billion by 2032, with the U.S. holding approximately 75% of this market share. This implies a U.S. market of approximately USD 4,275.0 billion by 2032.
• Residential Mortgage Financing: The U.S. home loan market reached USD 2.42 trillion in 2026. Total single-family mortgage origination volume in the U.S. is expected to increase to $2.2 trillion in 2026.
• Consumer Loans (Personal Loans): Americans owed $276 billion in personal loan debt as of the fourth quarter of 2025.
• Trusts and Estate Administration: The market size of the Trusts & Estates in the U.S. was $290.1 billion in 2025.
• Wealth Management: The U.S. private banking market size, a component of wealth management, is projected to rise from US$132.7 billion in 2026 to US$235.3 billion by 2033.
• Asset Custody: The U.S. custody, asset & securities services market size is expected to be USD 37.8 billion in 2025.

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Chain Bridge Bancorp (CBNA) is expected to drive future revenue growth over the next 2-3 years through several key strategies:

1. Growth in Core Lending Activities: The company offers a comprehensive suite of commercial lending, residential mortgage financing, and consumer loans. Expanding the net loans held for investment, which totaled $300.4 million as of June 30, 2024, will be a primary driver of increased interest income. Their relatively low loan-to-deposit ratio of 23.4% suggests capacity for responsible loan portfolio expansion.
2. Expansion of Trust & Wealth Management Services: Chain Bridge Bancorp's Trust & Wealth Department manages significant assets, reporting $364.0 million in assets under administration as of June 30, 2024. Focused efforts to attract new clients and grow existing client assets within its trust and estate administration, wealth management, and asset custody services will directly contribute to higher fee-based non-interest income.
3. Increased Non-Interest Income from IntraFi Cash Service® (ICS®): The company leverages the IntraFi Cash Service® (ICS®) program, generating non-interest income through deposit placement fees from "One-Way Sell®" deposits. Continued expansion of client participation in this service and increasing the volume of deposits managed through the ICS® network will enhance non-interest revenue streams.
4. Strategic Customer Acquisition and Engagement through Personalized Service and Technology: Chain Bridge Bancorp's mission emphasizes delivering exceptional banking and trust services nationwide by blending financial strength, personalized service, and advanced technology. By adapting these solutions to the evolving needs of businesses, non-profit organizations, political organizations, individuals, and families, the company aims to attract and retain a diverse customer base. This overarching strategy will drive growth in deposits, lead to increased utilization of lending products, and boost fee-generating services across its offerings.

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