$134M
+4.0%y/y
Percentile by value20th percentileby value
FDIC
ASSETCB
The Chesapeake Bank & Trust Co.
Chestertown, MarylandFDIC Cert #26847
STATEEstablished 19863 branches
Holding company: CHESAPEAKE BCORP EMPLOYEE STK OWNERSHIP PLAN WITH 401 K PROVISIONSRegulator: FDIC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportThe Chesapeake Bank & Trust Co. reported $134M in total assets. Deposits declined 0.23% over the prior year.
Return on assets was 1.90%, compared with an asset-peer median of 1.18%. The leverage ratio was 9.90%.
- Why is Total Assets below asset peers?
- Why is Noncurrent Loan Ratio below asset peers?
- Why is Efficiency Ratio below asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$105M
−0.2%y/y
Percentile by value16th percentileby value
FDIC
DEP$104M
+4.2%y/y
Percentile by value44th percentileby value
FDIC
LNLSNET1.90%
−19 bpsy/y
Peer standing85th percentile
FDIC
NETINC + ROA57.70%
+411 bpsy/y
Peer standing70th percentile
FDIC
NONIX + NIM + NONII + EEFFR9.90%
−10 bpsy/y
Peer standing28th percentile
FDIC
RBC1AAJPercentiles compare this bank with 1,247 banks from $100 million to $300 million.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $127M | $99.4M |
| Q3 2021 | $138M | $109M |
| Q4 2021 | $139M | $114M |
| Q1 2022 | $130M | $106M |
| Q2 2022 | $125M | $102M |
| Q3 2022 | $121M | $101M |
| Q4 2022 | $135M | $116M |
| Q1 2023 | $130M | $108M |
| Q2 2023 | $123M | $99.8M |
| Q3 2023 | $125M | $99.4M |
| Q4 2023 | $120M | $98.7M |
| Q1 2024 | $124M | $99.8M |
| Q2 2024 | $141M | $118M |
| Q3 2024 | $126M | $101M |
| Q4 2024 | $131M | $104M |
| Q1 2025 | $129M | $105M |
| Q2 2025 | $135M | $104M |
| Q3 2025 | $138M | $102M |
| Q4 2025 | $135M | $110M |
| Q1 2026 | $134M | $105M |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $11M |
| Investor CRE | $9.36M |
| Multifamily | $1.47M |
| Construction | $7.15M |
| 1–4 family | $56.5M |
| C&I | $4.19M |
| Agriculture | $11.9M |
| Other | $4.49M |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.90%85th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.33%Median 1.18%90th 2.13%Observations 1,247
ROE
FDIC
NETINC + ROE19.51%88th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 2.85%Median 11.08%90th 20.43%Observations 1,247
NIM
FDIC
NIM + NIMY4.74%86th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.92%Median 3.89%90th 4.91%Observations 1,247
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR57.70%70th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 47.24%Median 64.46%90th 87.12%Observations 1,247
Deposits YoY
FDIC
DEP−0.23%22nd percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −3.02%Median +3.60%90th +14.76%Observations 1,238
Loans YoY
FDIC
LNLSNET+4.15%44th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.89%Median +5.09%90th +18.61%Observations 1,230
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.13%68th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.39%90th 2.38%Observations 1,231
Leverage
FDIC
RBC1AAJ9.90%28th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.82%Median 11.12%90th 16.44%Observations 1,247
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM1.95%68th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.42%Median 2.26%90th 3.32%Observations 1,237
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC126%63rd percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 13%Median 92%90th 236%Observations 588
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.90%96th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.10%Median 0.95%90th 1.64%Observations 27
ROE
FDIC
NETINC + ROE19.51%100th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 0.59%Median 7.95%90th 13.78%Observations 27
NIM
FDIC
NIM + NIMY4.74%92nd percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.54%Median 3.73%90th 4.71%Observations 27
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR57.70%77th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 51.98%Median 63.54%90th 89.92%Observations 27
Deposits YoY
FDIC
DEP−0.23%38th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.67%Median +0.94%90th +9.72%Observations 27
Loans YoY
FDIC
LNLSNET+4.15%50th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.01%Median +4.15%90th +13.29%Observations 27
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.13%77th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.05%Median 0.50%90th 2.27%Observations 27
Leverage
FDIC
RBC1AAJ9.90%31st percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.07%Median 11.19%90th 17.92%Observations 27
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM1.95%81st percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.78%Median 2.49%90th 3.53%Observations 27
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC126%26th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 68%Median 221%90th 328%Observations 20
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 3 branches
- Headquarters
- Chestertown, MD
FDIC
OFFDOMOpen the Maryland dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data