Chain Bridge Bank, N.A.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 2.04 percentage points lower than in Q1 2026, at 13.67%. On loan-to-deposit ratio, Chain Bridge Bank, N.A. is 1st from the bottom among 56 Virginia banks, 13.67% (Q2 2026). Against a median of 88.20% for banks in the $1B-10B asset tier, Chain Bridge Bank, N.A. reported 13.67% on loan-to-deposit ratio in Q2 2026, 74.53 points lower.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $274.3M |
| Net loans and leases | $270.6M |
| Loans held for sale | $0 |
| Loans to total assets | 12.51% |
| Loan-to-deposit ratio | 13.67% |
| Net loans to equity capital | 1.52% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 13.73% |
| Multifamily (5+ residential) | 3.16% |
| Commercial and industrial | 1.49% |
| Consumer | 0.91% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 18.39% |
| Construction concentration (Tier 1 capital + allowance) | 2.22% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 4.52% |
| Interest income on loans | $3.1M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $310.9M | $1.07B | 15.33% | 3.81% | 0.94% |
| Q4 2023 | $304.1M | $1.11B | 15.30% | 3.86% | 1.02% |
| Q1 2024 | $305.9M | $1.14B | 14.53% | 3.38% | 1.09% |
| Q2 2024 | $305.3M | $1.30B | 14.28% | 3.09% | 1.12% |
| Q3 2024 | $300.0M | $1.43B | 14.28% | 3.27% | 1.14% |
| Q4 2024 | $313.6M | $1.28B | 14.68% | 8.72% | 0.96% |
| Q1 2025 | $302.0M | $1.58B | 14.78% | 5.97% | 0.99% |
| Q2 2025 | $287.8M | $1.29B | 14.18% | 1.56% | 0.97% |
| Q3 2025 | $284.1M | $1.38B | 14.12% | 1.37% | 0.97% |
| Q4 2025 | $274.8M | $1.58B | 14.35% | 1.43% | 0.93% |
| Q1 2026 | $273.5M | $1.74B | 14.42% | 1.19% | 0.92% |
| Q2 2026 | $274.3M | $2.01B | 13.73% | 1.49% | 0.91% |
Chain Bridge Bank, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Chain Bridge Bank, N.A., freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Chain Bridge Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58595) · FFIEC NIC profile (RSSD 3597211)