---
schema_version: "secwatch.filing_event.v1"
accession: "0001628280-25-046825"
form_type: "8-K"
ticker: "CBNA"
cik: "0001392272"
company_name: "CHAIN BRIDGE BANCORP INC"
filed_at: "2025-10-28T23:59:59+00:00"
generated_at: "2026-05-17T01:54:25.243026+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Chain Bridge Bancorp Q3 net income $4.7M ($0.72 EPS), down from $7.5M ($1.64) YoY on lower deposit fees

## Summary
- Q3 net income $4.7M vs $7.5M in Q3 2024; nine-month net income $14.9M ($2.27 EPS) vs $17.2M ($3.77).
- Net interest income $12.3M vs $13.6M YoY; noninterest income dropped to $847K from $3.1M due to political deposit fee shift.
- Book value per share $24.86, up from $22.95 a year ago; Tier 1 leverage ratio 11.34% remains very strong.
- Total deposits $1.4B, up $114.6M from Q2; political inflows drove growth, while loans declined to $280M.

## SEC filing metadata
- accession: 0001628280-25-046825
- form_type: 8-K
- ticker: CBNA
- cik: 0001392272
- company_name: CHAIN BRIDGE BANCORP INC
- filed_at: 2025-10-28T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1392272/000162828025046825/0001628280-25-046825-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1392272/000162828025046825/chnbrdg-20251028.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001628280-25-046825
- JSON: https://secwatch.observer/filing/0001628280-25-046825.json
- Plain text: https://secwatch.observer/filing/0001628280-25-046825.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.