CHAIN BRIDGE BANCORP INC

The Company and the Bank maintain their principal operations at owned properties located in McLean, Virginia, in the Washington, D.C. metropolitan area. As of the filing of this Annual Report on Form 10-K, the Bank owns the following properties:

Main Banking Office

Palladium at McLean, 1445-A Laughlin Avenue, Unit 102, McLean, Virginia 22101, totaling approximately 4,500 square feet. This commercial condominium serves as our main banking office and is currently used for retail banking services, Trust & Wealth management services, credit administration and executive offices.

Additional Offices

• Palladium at McLean, 1445 Laughlin Avenue, Unit 101, McLean, Virginia 22101, totaling approximately 3,850 square feet. Approximately 2,280 square feet of this space is currently occupied by the Bank’s residential mortgage and commercial lending departments, while the remaining 1,570 square feet is leased to Star Nut Gourmet, a café and specialty food gift store established in 2002.

• Palladium at McLean, 1440 Emerson Avenue, Unit 110, McLean, Virginia 22101, totaling approximately 5,350 square feet. The space is currently under construction to accommodate the Trust & Wealth Department, a new board room, a reception area, and executive offices.

Operations and Administrative Facilities

• Emerson One, 6718 Whittier Avenue, Units 110, 120, and 130, McLean, Virginia 22101, totaling approximately 5,396 square feet. This space houses the Bank’s deposit operations, commercial deposit relationship officers, compliance, information technology, and human resources departments.

• Emerson One, 6718 Whittier Avenue, Unit 220, McLean, Virginia 22101: This commercial condominium unit, totaling approximately 2,209 square feet, houses the Bank’s accounting and audit functions.

The Company believes these owned properties adequately meet its current operational needs and provide limited capacity for anticipated future growth. In addition, the Bank is under contract to acquire two additional units within the Emerson One building, with a projected closing date no later than May 2026, which, if completed, would expand available office space for Bank use. All properties are in good condition and adequately maintained. The Company continuously evaluates its real estate requirements to support future growth and operational efficiency.

The Company believes its properties are adequately covered by insurance and suitable for existing operations. There are no material environmental issues, liens, or other encumbrances affecting these properties that would materially impact their use. The Company will continue to assess its real estate needs in accordance with its strategic objectives and operational requirements.