Community Reinvestment Act



About Us · Community Reinvestment

Chain Bridge Bank, N.A.’s most recent CRA rating is shown below.

Most Recent CRA Rating Outstanding

Based on the public CRA Performance Evaluation dated February 24, 2025.

Our Record

Chain Bridge Bank, N.A. is rated Outstanding

The Community Reinvestment Act (CRA) is a federal law that encourages banks to help meet the credit needs of the communities they serve, including low- and moderate-income neighborhoods. A bank’s primary federal regulator periodically examines and rates that performance.

In its public CRA Performance Evaluation dated February 24, 2025, Chain Bridge Bank, N.A. received an overall CRA rating of Outstanding, the highest CRA rating available.

The Evaluation

How the rating breaks down

Overall CRA Rating Outstanding
Lending Test Satisfactory
Community Development Test Outstanding

What supported the rating

  • The Bank’s loan-to-deposit ratio was reasonable given the Bank’s size, financial condition, and business strategy.
  • A majority of loans were originated or purchased inside the Bank’s assessment area.
  • The geographic distribution of loans reflected reasonable distribution throughout the assessment area.
  • The distribution of loans to borrowers of different income levels was reasonable.
  • The Bank demonstrated excellent responsiveness to community development needs through community development loans, qualified investments, and community development services.

The evaluation also lists the State of Virginia CRA rating as Outstanding.

Common Questions

Questions about the Community Reinvestment Act

What is Chain Bridge Bank, N.A.’s CRA rating?

Chain Bridge Bank, N.A. received an overall CRA rating of Outstanding in its public CRA Performance Evaluation dated February 24, 2025. In that evaluation, the Lending Test was rated Satisfactory and the Community Development Test was rated Outstanding.

What is the Community Reinvestment Act?

The Community Reinvestment Act is a federal law that encourages banks to help meet the credit needs of the communities they serve, including low- and moderate-income neighborhoods, consistent with safe and sound banking operations. A bank’s primary federal regulator periodically evaluates and rates its CRA performance.

How can I review the Bank’s CRA public file?

The Bank’s CRA Performance Evaluation is available on this page. To request additional CRA public file materials, contact the Bank through the Get in Touch page or call 703-748-2005.

The CRA Performance Evaluation is an evaluation of the Bank’s record of helping meet the credit needs of its community. It is not an assessment of the Bank’s financial condition, safety, or soundness.

The CRA Performance Evaluation is available on this page. To request additional CRA public file materials, contact the Bank through the Get in Touch page or call 703-748-2005.


























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