Chain Bridge Bancorp, Inc.
Chain Bridge Bancorp (NYSE: CBNA) is the holding company for Chain Bridge Bank, N.A., a branchless national bank headquartered in McLean, Virginia that specializes in serving political organizations, commercial clients, business-owner mortgage borrowers, and trust & wealth management customers across 47 states.
- Company typePublic
- Founded2006
- HeadquartersMclean, United States
- Headcount51–100
- GTM typeB2B and B2C
- OfferingServices
What Chain Bridge Bancorp, Inc. does
Chain Bridge Bancorp, Inc. is a Delaware-chartered bank holding company whose sole operating subsidiary, Chain Bridge Bank, National Association, is a nationally-chartered commercial bank headquartered at 1445-A Laughlin Avenue in McLean, Virginia. Founded in 2006 and operational since August 2007, the company completed its initial public offering on October 7, 2024 with Class A common stock trading on the NYSE under ticker "CBNA." The Bank operates a fully branchless digital banking model with 51-100 employees serving clients across 47 states, the District of Columbia, the U.S. Virgin Islands, and Puerto Rico. As of Q1 2026, the Bank held $1.9 billion in total assets and $1.7 billion in total deposits, with a Tier 1 risk-based capital ratio of 47.63% and zero non-performing assets since June 2012.
The company serves four primary client segments: political organizations (campaign committees, party committees, PACs, Super PACs, Hybrid PACs, and 527 organizations — described as the source of a majority of demand deposits); commercial businesses managing high transaction volumes; business owner mortgage borrowers with complex income profiles requiring portfolio lending flexibility; and trust & wealth management clients (overseeing $384.0M in assets under administration as of Q3 2024). The technology platform combines a proprietary treasury management system — featuring multi-user access with customizable approval hierarchies, mobile batch check deposit, Image Cash Letter (X9.37) processing, and accounting software integrations — with the Ellie Mae-powered online mortgage application portal (mortgage.chainbridgebank.com) and the IntraFi Cash Service (ICS) One-Way Sell network for distributed deposit placement ($595M placed as of Q1 2026).
Revenue is generated primarily through net interest income ($13.6M in Q3 2024; $33.0M for nine-month 2024), supplemented by transaction-based deposit placement fees on the ICS network ($2.5M in Q3 2024; $5.6M for nine-month 2024), service charges on deposit accounts, trust and wealth management fees, and occasional gains on sale of mortgage loans. The go-to-market model is relationship-based and organic: dedicated relationship officers are assigned to specialized client segments, and new business is sourced predominantly through word-of-mouth referrals rather than paid marketing, branches, or commissioned sales. The dual-class capital structure implemented at IPO concentrates voting control with the founding Fitzgerald Family, while public Class A holders retain economic exposure.
Chain Bridge Bancorp, Inc. firmographics
Firmographics- Name
- Chain Bridge Bancorp, Inc.
- Legal name
- Chain Bridge Bancorp, Inc.
- Website
- https://chainbridgebank.com
- Company type
- Public
- Founded year
- 2006
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Chain Bridge Bancorp (NYSE: CBNA) is the holding company for Chain Bridge Bank, N.A., a branchless national bank headquartered in McLean, Virginia that specializes in serving political organizations, commercial clients, business-owner mortgage borrowers, and trust & wealth management customers across 47 states.
- Ownership category
- akta.pro rank
Chain Bridge Bancorp, Inc. industry classification
Industry- Product category
- National Commercial Banking
- NAICS
- Commercial Banking (52211), Commercial Banking (522110)
- SIC
- State Commercial Banks (6022), National Commercial Banks (6021)
- akta.pro primary industry
- Community Credit Unions (Retail/Consumer Focus) (FSABAEAA)
Keywords
Where Chain Bridge Bancorp, Inc. is headquartered
LocationHeadquarters
- HQ city
- Mclean
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Chain Bridge Bancorp, Inc. business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Others
Revenue model
- Net interest income: Primary revenue stream generated from interest-earning assets (loans, securities, interest-bearing reserves at the Federal Reserve) net of interest expense on deposits and borrowings. Q3 2024 net interest income was $13.6M; nine-month 2024 was $33.0M. Q1 2026 net interest income rose $1.4M versus prior quarter.
- Deposit placement services fees (IntraFi ICS One-Way Sell): Fee income earned on deposits placed at other banks through the IntraFi Cash Service (ICS) One-Way Sell network. $2.5M in Q3 2024; $5.6M in nine-month 2024; grew $1.3M in Q1 2026. Seasonal with political organization deposit cycles.
- Service charges on deposit accounts: Recurring fees on client deposit accounts. $376K in Q3 2024 and $1.0M in nine-month 2024.
- Trust and wealth management fees: Income from assets under management ($111.2M) and assets under custody ($272.8M). $243K in Q3 2024; $669K in nine-month 2024.
- Gain on sale of mortgage loans: Occasional gains from sale of originated mortgage loans to investors. $13K in Q3 2024.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | — | Mortgage and home equity loan pricing - not publicly disclosed |
| Unit Pricing | — | Home Equity Options - up to $4 million |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels4 records
Chain Bridge Bancorp, Inc. product offering
Product offeringCore offering
Chain Bridge Bancorp, Inc. is the Delaware-chartered holding company for Chain Bridge Bank, N.A., a nationally chartered bank that operates without physical branches and delivers deposit, treasury management, payments, commercial lending, residential mortgage, and trust and wealth management services. The Bank specializes in serving political organizations (campaign committees, PACs, party committees), commercial clients with high transaction volumes, business owners and self-employed mortgage borrowers, and trust and wealth clients across 47 states, DC, the U.S. Virgin Islands, and Puerto Rico.
Product overview
Chain Bridge Bancorp, Inc. operates a unified banking platform built around a single national-charter subsidiary (Chain Bridge Bank, N.A.) rather than a modular product suite. Its offering spans three core product pillars — Commercial & Personal Banking (deposits, treasury management, payments, commercial lending), Residential Mortgage (Residential Mortgage, Residential Construction, and Home Equity Options), and Trust & Wealth Management — all delivered through a branch-less digital platform (including an Ellie Mae-powered online mortgage application portal and online banking at my.chainbridgebank.com). The bank also extends its deposit-gathering capability through the IntraFi Cash Service (ICS) One-Way Sell network and supports transaction-intensive clients with Image Cash Letter (X9.37) processing, mobile batch check deposit, and treasury management system integrations with popular accounting software.
Differentiator
Problem solved
Functional benefit
Brands
- Chain Bridge Bank, N.A. Residential Mortgage: Residential mortgage division offering purchase and refinance financing, jumbo and conforming mortgages, construction loans, bridge loans, home equity loans, lines of credit, and portfolio lending for business owners and complex borrowers.
Products and services
- Residential Mortgage Fixed-rate and adjustable-rate home loans, jumbo and conforming mortgages, purchase and refinance financing for primary, second home, and investment properties. Tailored for business owners and complex-income borrowers with more than 20 years average team lender experience.
- Residential Construction Loans Construction loans for home upgrades or building a new house, including professional review of project plans, specifications, budget, and construction monitoring by Chain Bridge lenders.
- Home Equity Options (Home Equity Loan and HELOC) Home equity loan and home equity line of credit offerings, each up to $4 million. HELOC offers interest-only payments during the first 10 years; home equity loan offers amortizing monthly payments with rates fixed for as long as five years.
- Commercial Banking Services Range of commercial banking services including deposits, treasury management, payments, commercial lending, bridge loans, and portfolio lending for business owners. Treasury management system offers multi-user access, customizable approval hierarchies, integration with popular accounting software, and mobile batch check deposit functionality.
- Personal Banking and Deposits Personal banking deposit services including noninterest-bearing demand deposits, savings, interest-bearing checking, money market, and time deposits. Branch-less digital delivery available across 47 states, DC, U.S. Virgin Islands, and Puerto Rico.
- Treasury Management Platform Dedicated treasury management platform designed to handle substantial transaction volumes and accommodate complex organizational structures with multi-user access, customizable approval hierarchies, Image Cash Letter (X9.37) processing, and accounting software integration.
- Trust and Wealth Management Trust and wealth management services including estate administration, asset management, and asset custody, delivered through the Bank's Trust & Wealth Department.
Quantifiable outcome
- 29.90% annualized return on average equity (Q3 2024)
- +4 more outcomes
Companies that use Chain Bridge Bancorp, Inc.
Customer profileSegments5 records
Ideal customer profiles5 records
Chain Bridge Bancorp, Inc. technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
Feature5 records
Chain Bridge Bancorp, Inc. partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core and flagship.
- Sullivan & Cromwell LLPcoreOutside legal counsel for Chain Bridge Bancorp. Catherine M. Clarkin of Sullivan & Cromwell served as the Company's primary outside counsel contact for SEC correspondence and IPO registration (Registration No. 333-282102). Located at 125 Broad Street, New York.
- Holland & Knight LLPcoreCo-counsel for Chain Bridge Bancorp, working alongside Sullivan & Cromwell on the IPO and registration statement. Located at 800 17th Street N.W., Washington, DC. Attorneys Kevin M. Houlihan, Mark R. Goldschmidt, and William H. Levay named.
- Yount, Hyde & Barbour, P.C.coreIndependent registered public accounting firm for Chain Bridge Bancorp. Auditor ratification passed at the 2026 Annual Meeting of Stockholders on June 18, 2026 with 29,932,054 votes in favor, 19,293 against, and 63,098 abstentions.
- IntraFi (IntraFi Cash Service / ICS One-Way Sell network)flagshipCritical technology/infrastructure partner providing the IntraFi Cash Service (ICS) One-Way Sell deposit placement network. Chain Bridge uses this network to place excess client deposits at other participating banks; $595M in One-Way Sell deposits as of Q1 2026, generating $2.5M in deposit placement services income in Q3 2024.
- Ellie Mae, Inc.flagshipProvider of the residential mortgage loan application and origination platform powering mortgage.chainbridgebank.com. Ellie Mae's technology enables online borrower onboarding, secure document transmission with 128-bit encryption, individualized passwords, security questions, timed log-off, and firewall protection. Provider of software and services for the residential mortgage industry since 1997.
Scale indicators11 records
Recent moves6 records
Expansion highlights5 records
Chain Bridge Bancorp, Inc. competitors and assessment
Company assessmentBroad incumbents
- ConnectOne Bancorp: Mid-Atlantic community bank with a commercial and high-net-worth banking focus at a similar scale to Chain Bridge. Comparable as a similarly sized publicly traded competitor pursuing relationship-based commercial banking.
- City National Bank (RBC subsidiary): Larger relationship-focused bank with emphasis on high-net-worth, commercial, and specialty lending including entertainment and political-adjacent clients. Comparable in its focus on complex, relationship-driven banking for affluent and commercial clients.
Direct peers
- Customers Bancorp: Top-tier commercial bank with a specialty in serving political organizations, non-profits, and high-volume commercial clients through BankMobile-style digital channels. Most direct comparable given its similar political banking franchise and focus on community/commercial deposits.
- First Internet Bancorp: Publicly traded, branchless online bank with national reach — closely comparable to Chain Bridge's branchless digital delivery model and focus on niche specialty lending and deposits.
- Amalgamated Financial Corp: Publicly traded bank with deep specialization in serving politically affiliated organizations, unions, and progressive nonprofits — closely overlapping with Chain Bridge's political organization and non-profit customer segments.
- Live Oak Bancorp: Digital-first, branchless small business and specialty lender with a similar asset-light model. Comparable in its technology-centric GTM and concentration in a defined niche vertical.
- Pathward Financial (formerly Meta Financial Group): Publicly traded bank with a niche business model focused on specialty/fintech banking partnerships. Comparable in its non-traditional, technology-led banking approach and focus on specialty verticals.
Regional players
- Capital Bancorp: DC-area commercial bank with community bank scale. Comparable in size, regional focus, and commercial banking orientation to Chain Bridge.
- Sandy Spring Bancorp: Mid-Atlantic regional bank with a strong DC/Virginia/Maryland footprint. Comparable as a regional competitor pursuing commercial and high-net-worth segments in the same geography.
- Burke & Herbert Financial Services Corp: Virginia-headquartered community bank serving the DC metro region. Comparable in geography (DC/Virginia concentration) and in serving commercial clients in the same corridor where Chain Bridge draws ~71% of its deposits.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks7 records
Key highlights7 records
Customer concentration
Chain Bridge Bancorp, Inc. social profiles
Digital presenceChain Bridge Bancorp, Inc. compliance and trust
Trust signalCompliance4 records
Chain Bridge Bancorp, Inc. financial estimates
Financial estimateRevenue estimate
Valuation estimate
Chain Bridge Bancorp, Inc. leadership team
Management profileNumber of profiles
Profiles12 records
Chain Bridge Bancorp, Inc. subsidiaries and ownership
Company hierarchySubsidiaries1 record
Chain Bridge Bancorp, Inc. funding detail
Funding detailFunding overview
Funding rounds4 records
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Chain Bridge Bancorp, Inc. M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Chain Bridge Bancorp, Inc.
What does Chain Bridge Bancorp, Inc. do?
Chain Bridge Bancorp, Inc. is the Delaware-chartered holding company for Chain Bridge Bank, N.A., a nationally chartered bank that operates without physical branches and delivers deposit, treasury management, payments, commercial lending, residential mortgage, and trust and wealth management services. The Bank specializes in serving political organizations (campaign committees, PACs, party committees), commercial clients with high transaction volumes, business owners and self-employed mortgage borrowers, and trust and wealth clients across 47 states, DC, the U.S. Virgin Islands, and Puerto Rico.
Is Chain Bridge Bancorp, Inc. a public or private company?
Chain Bridge Bancorp, Inc. is a public company. It is classified as public and is currently operating.
When was Chain Bridge Bancorp, Inc. founded?
Chain Bridge Bancorp, Inc. was founded in 2006. It employs 51 to 100 people.
Where is Chain Bridge Bancorp, Inc. based?
Chain Bridge Bancorp, Inc. is headquartered in Mclean, United States, in the North America region.
How does Chain Bridge Bancorp, Inc. make money?
Five revenue lines are on record. Net interest income is the primary driver. The others are deposit placement services fees (IntraFi ICS One-Way Sell), service charges on deposit accounts, trust and wealth management fees and gain on sale of mortgage loans.
Who are Chain Bridge Bancorp, Inc.'s main competitors?
Broad incumbents on record are ConnectOne Bancorp and City National Bank (RBC subsidiary). Direct peers are Customers Bancorp, First Internet Bancorp, Amalgamated Financial Corp, Live Oak Bancorp and Pathward Financial (formerly Meta Financial Group). Regional players are Capital Bancorp, Sandy Spring Bancorp and Burke & Herbert Financial Services Corp.
Does Chain Bridge Bancorp, Inc. have an API?
No public API is recorded for Chain Bridge Bancorp, Inc..
What industry is Chain Bridge Bancorp, Inc. in?
Chain Bridge Bancorp, Inc.'s product category is National Commercial Banking. Its primary akta.pro industry code is FSABAEAA, Community Credit Unions (Retail/Consumer Focus). Its NAICS code is 52211 and its SIC code is 6022.