Chain Bridge Bancorp Inc-A 2025年季度报告

FORM10-Q_________________________ xQUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934For the quarterly period endedSeptember 30, 2025 OR oTRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934For the transition period from ___________ to ___________Commission file number001-42302_________________________ Chain Bridge Bancorp, Inc.(Exact name of registrant as specified in its charter) _________________________ (I.R.S. Employer Identification No.) (703)748-2005Registrant’s telephone number, including area code Securities registered pursuant to Section 12(b) of the Act: Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the SecuritiesExchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports),and (2) has been subject to such filing requirements for the past 90 days.YesxNoo Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submittedpursuant to Rule 405 of Regulation S-T (§ 232.405 of this chapter) during the preceding 12 months (or for such shorter period that theregistrant was required to submit such files).YesxNoo Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smallerreporting company, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smallerreporting company,” and “emerging growth company” in Rule 12b-2 of the Exchange Act. If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period forcomplying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Act). YesoNox As of November6, 2025, the registrant had outstanding3,210,437shares of Class A Common Stock, par value $0.01 per share and3,351,380shares of the registrant's Class B Common Stock, par value $0.01 per share. TABLE OF CONTENTS PageIndex of Defined Terms and Acronyms3Cautionary Note Regarding Forward-Looking Statements5Part I - Financial Information7Item 1. Financial Statements7Item 2. Management's Discussion and Analysis of Financial Condition and Results of Operations31Item 3. Quantitative and Qualitative Disclosures About Market Risk62Item 4. Controls and Procedures63Part II - Other Information64Item 1. Legal Proceedings64Item 1A. Risk Factors64Item 2. Unregistered Sales of Equity Securities and Use of Proceeds64Item 3. Defaults Upon Senior Securities64Item 4. Mine Safety Disclosures64Item 5. Other Information64Item 6. Exhibits65Signatures66 INDEX OF DEFINED TERMS AND ACRONYMS CAUTIONARY NOTE REGARDING FORWARD-LOOKING STATEMENTS Unless we state otherwise or the context otherwise requires, “we,” “us,” “our,” “Chain Bridge,” “our Company,” and “theCompany,” refer to Chain Bridge Bancorp, Inc., a Delaware corporation, and its consolidated subsidiary, Chain Bridge Bank, NationalAssociation. The “Bank” and “Chain Bridge Bank, N.A” refer to Chain Bridge Bank, National Association, a nationally charteredbank. This Quarterly Report on Form 10-Q contains forward-looking statements, which involve risks and uncertainties. You shouldnot place undue reliance on forward-looking statements because they are subject to numerous uncertainties and factors relating to ouroperations and business, all of which are difficult to predict and many of which are beyond our control. Forward-looking statementsinclude information concerning our possible or assumed future results of operations, including descriptions of our business strategy.These forward-looking statements are generally identified by the use of forward-looking terminology, including the terms “anticipate,”“believe,” “could,” “estimate,” “expect,” “intend,” “may,” “plan,” “potential,” “predict,” “project,” “should,” “target,” “will,” “would”and, in each case, their negative or other variations or comparable terminology and expressions. All statements other than statementsof historical facts contained in this Quarterly Report on Form 10-Q, including statements regarding our strategies, future operations,future financial position, future revenue, projected costs, prospects, plans, objectives of management and expected market growth areforward-looking statements. The forward-looking statements are contained in this Quarterly Report on Form 10-Q include, but are notlimited to, statements relating to: •Changes in trade, monetary and fiscal policies of, and other activities undertaken by, governments, agencies, centralbanks and similar organizations, including the effects of United States federal government spending and tariffs;•The level of, or changes in the level of, intere