BlastPoint's Banking Scorecard
Chain Bridge Bank, National Association
Community
Specialty: Other
VA
FDIC cert 58595
Mclean, VA
1484
banks in Community tier nationally
32 in VA
View Community leaderboard (VA) →
Chain Bridge Bank, National Association has 5 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.63% below tier
- + Loan-to-Deposit Ratio 65.98% below tier
- + Non-Interest-Bearing Deposit Share 58.85% above tier
- + Nonperforming Asset Ratio 0.50% below tier
- + Tier 1 Capital Ratio 33.25% above tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 75% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.8B
+24.9% YoY
+14.1% QoQ
|
+$358.9M |
$1.4B
+2.0% YoY
|
$17.5B
+24.6% YoY
|
$5.9B
+6.5% YoY
|
75% |
| Total Loans ? |
$270.7M
-12.4% YoY
-3.3% QoQ
|
-$704.8M |
$975.5M
+2.4% YoY
|
$10.7B
+28.4% YoY
|
$3.1B
+8.5% YoY
|
Bottom 3% in tier |
| Total Deposits ? |
$1.6B
+24.2% YoY
+15.1% QoQ
|
+$420.0M |
$1.2B
+1.7% YoY
|
$13.8B
+21.4% YoY
|
$4.7B
+6.3% YoY
|
78% |
| Return on Assets ? |
1.43%
-16.7% YoY
-0.7% QoQ
|
+0.26% |
1.16%
+17.2% YoY
|
0.94%
+24.9% YoY
|
1.12%
+15.6% YoY
|
70% |
| Net Interest Margin ? |
3.35%
-0.6% YoY
-1.1% QoQ
|
-0.32% |
3.66%
+9.1% YoY
|
3.66%
+9.0% YoY
|
3.75%
+7.1% YoY
|
33% |
| Efficiency Ratio ? |
50.32%
+11.0% YoY
-0.4% QoQ
|
-12.31% |
62.63%
-5.3% YoY
|
66.70%
-6.7% YoY
|
65.09%
-5.1% YoY
|
83% |
| Delinquency Rate ? | 0.00% | -0.63% |
0.63%
+18.3% YoY
|
0.75%
+37.7% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
17.08%
-29.5% YoY
-16.0% QoQ
|
-65.98% |
83.06%
+0.3% YoY
|
79.98%
+0.8% YoY
|
78.04%
+0.7% YoY
|
Top 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
79.90%
+8.5% YoY
+14.9% QoQ
|
+58.85% |
21.05%
-0.9% YoY
|
24.23%
+0.2% YoY
|
21.79%
-1.3% YoY
|
Top 1% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.50% |
0.50%
+20.3% YoY
|
0.53%
+39.4% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
43.49%
+36.9% YoY
+5.3% QoQ
|
+33.25% |
10.24%
-0.6% YoY
|
11.48%
+7.9% YoY
|
9.75%
-1.9% YoY
|
Top 1% in tier |
| Non-Interest Income / Assets ? |
0.24%
-61.0% YoY
+27.1% QoQ
|
-0.50% |
0.74%
-1.3% YoY
|
0.64%
-0.2% YoY
|
0.65%
+0.6% YoY
|
15% |
Signature Analysis
Strengths (5)
Delinquency Rate
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.63%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Top 1%
in Community
Why this stands out
Current:
17.08%
(Tier avg: 83.06%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Top 1%
in Community
Why this stands out
Current:
79.90%
(Tier avg: 21.05%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.50%, National avg: 0.48%)
Tier 1 Capital Ratio
metric
Top 1%
in Community
Why this stands out
Current:
43.49%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (1)
Margin Compression
decline
#90 of 120 · Bottom 75% in Community
Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Why this signature
Return on Assets:
1.43%
(Tier: 1.16%, National: 1.12%)
120 of 120 Community banks match
·
147 nationally
→ Stable
-9 banks QoQ
|
QoQ rank declining
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%
100
100th pctile
Non-Interest-Bearing Deposit Share
Current: 79.90% · Tier avg: 21.05%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
100
100th pctile
Tier 1 Capital Ratio
Current: 43.49% · Tier avg: 10.24%
100
100th pctile
Loan-to-Deposit Ratio
Current: 17.08% · Tier avg: 83.06%
83
83th pctile
Efficiency Ratio
Current: 50.32% · Tier avg: 62.63%
78
78th pctile
Total Deposits
Current: $1.6B · Tier avg: $1.2B
75
75th pctile
Total Assets
Current: $1.8B · Tier avg: $1.4B
70
70th pctile
Return on Assets
Current: 1.43% · Tier avg: 1.16%
33
33th pctile
Net Interest Margin
Current: 3.35% · Tier avg: 3.66%
15
15th pctile
Non-Interest Income / Assets
Current: 0.24% · Tier avg: 0.74%
3
3th pctile
Total Loans
Current: $270.7M · Tier avg: $975.5M
Top Weaknesses
3
3th pctile
Total Loans
Current: $270.7M · Tier avg: $975.5M
15
15th pctile
Non-Interest Income / Assets
Current: 0.24% · Tier avg: 0.74%
33
33th pctile
Net Interest Margin
Current: 3.35% · Tier avg: 3.66%
70
70th pctile
Return on Assets
Current: 1.43% · Tier avg: 1.16%
75
75th pctile
Total Assets
Current: $1.8B · Tier avg: $1.4B
78
78th pctile
Total Deposits
Current: $1.6B · Tier avg: $1.2B
83
83th pctile
Efficiency Ratio
Current: 50.32% · Tier avg: 62.63%
100
100th pctile
Loan-to-Deposit Ratio
Current: 17.08% · Tier avg: 83.06%
100
100th pctile
Tier 1 Capital Ratio
Current: 43.49% · Tier avg: 10.24%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
100
100th pctile
Non-Interest-Bearing Deposit Share
Current: 79.90% · Tier avg: 21.05%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%