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The Chesapeake Bank & Trust Co.

$100M-$1B Specialty: Other MD FDIC cert 26847

Chestertown, MD

3 branches across MD

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 16 in MD.
  • Deposits +0.6% year over year ($104.5M on the books).
  • Delinquency rate 0.22%.
  • Return on assets 1.99%.
  • Efficiency ratio 55.75% vs a 64.48% peer average.
  • Loan-to-deposit ratio 102.19% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 16 in MD
View $100M-$1B leaderboard (MD) →

The Chesapeake Bank & Trust Co. has 4 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Deposit Franchise: Top 68.7% in tier
  • + ROA 0.67% above tier average
  • + Efficiency Ratio 8.73% below tier average
  • + Delinquency Rate 0.70% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 6.8% in tier
  • - Credit Quality Pressure: Bottom 28.3% in tier
  • - Liquidity Strain: Bottom 42.5% in tier
Get updates when The Chesapeake Bank & Trust Co. releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
Total Assets ? $141.5M
+4.4% YoY +5.6% QoQ
-$245.1M $386.6M
+1.2% YoY
$1.8B
+4.0% YoY
$6.3B
+7.7% YoY
Bottom 11.9% in tier
Total Loans ? $106.8M
+1.8% YoY +2.3% QoQ
-$151.5M $258.3M
+1.7% YoY
$1.3B
+3.8% YoY
$3.2B
+9.4% YoY
21%
Total Deposits ? $104.5M
+0.6% YoY -0.6% QoQ
-$222.2M $326.7M
+0.7% YoY
$1.6B
+4.1% YoY
$4.9B
+7.3% YoY
Bottom 6.7% in tier
Return on Assets ? 1.99%
-3.5% YoY +5.0% QoQ
+0.67% 1.32%
+10.8% YoY
0.92%
+12.6% YoY
1.30%
+12.1% YoY
Top 13.4% in tier
Net Interest Margin ? 4.72%
+0.1% YoY -0.6% QoQ
+0.73% 3.99%
+5.0% YoY
3.72%
+5.0% YoY
3.95%
+4.9% YoY
Top 13.8% in tier
Efficiency Ratio ? 55.75%
+4.4% YoY -3.4% QoQ
-8.73% 64.48%
-3.2% YoY
67.38%
-3.5% YoY
70.05%
+2.5% YoY
70%
Delinquency Rate ? 0.22%
+451.9% YoY +66.0% QoQ
-0.70% 0.92%
+15.7% YoY
1.07%
+9.6% YoY
0.98%
+16.3% YoY
64%
Loan-to-Deposit Ratio ? 102.19%
+1.2% YoY +2.9% QoQ
+24.24% 77.95%
+1.0% YoY
87.38%
+1.5% YoY
79.03%
+2.3% YoY
Bottom 7.7% in tier
Non-Interest-Bearing Deposit Share ? 33.14%
+5.2% YoY -1.5% QoQ
+11.11% 22.03%
-0.6% YoY
20.47%
+3.3% YoY
21.98%
-0.6% YoY
Top 12.4% in tier
Nonperforming Asset Ratio ? 0.17%
+438.0% YoY +60.8% QoQ
-0.50% 0.67%
+16.4% YoY
0.90%
+8.0% YoY
0.69%
+15.8% YoY
64%
Tier 1 Capital Ratio ? 13.81%
-1.0% YoY -2.8% QoQ
-2.10% 15.91%
+1.4% YoY
16.33%
+1.1% YoY
17.09%
+0.8% YoY
56%
Non-Interest Income / Assets ? 0.15%
-14.2% YoY +143.5% QoQ
-0.41% 0.57%
+7.6% YoY
0.25%
+1.8% YoY
0.66%
+5.2% YoY
36%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
Noninterest-Bearing 33.1%
+1.6pp YoY
-0.5pp QoQ
 +11.0pp 22.1% 21.3% 22.2% 88%
Brokered Deposits n/a n/a 7.9% 10.7% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
C&I 4.3%
-1.1pp YoY
+0.2pp QoQ
 -7.3pp 11.6% 8.9% 12.5% 15%
CRE 26.8%
-0.6pp YoY
-1.0pp QoQ
 -12.8pp 39.5% 50.0% 41.4% 29%
1-4 Family 55.1%
+1.6pp YoY
+1.0pp QoQ
 +22.4pp 32.6% 37.9% 31.3% 86%
Consumer 4.2%
-0.3pp YoY
0.0pp QoQ
 +0.1pp 4.1% 3.2% 5.0% 72%

Capital

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
CET1 Ratio 13.8%
-0.1pp YoY
-0.4pp QoQ
 -5.0pp 18.8% 16.4% 19.7% 37%
Leverage Ratio 9.8%
0.0pp YoY
-0.1pp QoQ
 -2.4pp 12.2% 13.0% 12.6% 26%
Total Capital Ratio 15.1%
-0.1pp YoY
-0.4pp QoQ
 -4.9pp 19.9% 17.5% 20.8% 39%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
Full-Time Employees 18
0 YoY
0 QoQ
 -41 58 170 482 8%
Assets per Employee ($) $7.9M
+4.4% YoY
+5.6% QoQ
 +$343K $7.5M $9.4M $8.8M 66%
Branch Count 3
0 YoY
0 QoQ
 -2 4 9 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.2% 0.4% n/a
Nonaccrual 0.2%
+0.2pp YoY
+0.1pp QoQ
 -0.7pp 0.9% 1.1% 1.0% 31%
Allowance Coverage 7.02x
-81.2% YoY
-40.2% QoQ
 -17.14x 24.15x 46.66x 20.23x 77%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 32%

Profitability

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
ROE 20.8%
-0.4pp YoY
+1.3pp QoQ
 +8.6pp 12.2% 8.0% 11.6% 90%
Cost of Funds (YTD) 1.2%
0.0pp YoY
+0.1pp QoQ
 -0.5pp 1.7% 1.9% 1.7% 18%
Net Income ($, YTD) $1.4M
+0.2% YoY
— QoQ
 -$1.2M $2.6M $8.4M $40.4M 38%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Deposit Franchise

growth
#192 of 278 • Top 68.7% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 33.14%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 4.72%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank declining

Concerns (3)

Credit Risk Growth

risk
#65 of 936 • Bottom 6.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk
#357 of 1256 • Bottom 28.3% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.22%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank declining

Liquidity Strain

risk
#295 of 691 • Bottom 42.5% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 102.19%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

328
Non-Interest-Bearing Deposit Share
funding
Value: 33.14%
Peer Median: 22.03%
#328 of 2643 Top 12.4% in $100M-$1B
354
Return on Assets
profitability
Value: 1.99%
Peer Median: 1.32%
#354 of 2643 Top 13.4% in $100M-$1B
367
Net Interest Margin
profitability
Value: 4.72%
Peer Median: 3.99%
#367 of 2643 Top 13.8% in $100M-$1B

Top Weaknesses (4 metrics)

2467
Total Deposits
size
Value: $104.52M
Peer Median: $326.73M
#2467 of 2643 Bottom 6.7% in $100M-$1B
2441
Loan-to-Deposit Ratio
liquidity
Value: 102.19%
Peer Median: 77.95%
#2441 of 2643 Bottom 7.7% in $100M-$1B
2330
Total Assets
size
Value: $141.51M
Peer Median: $386.57M
#2330 of 2643 Bottom 11.9% in $100M-$1B
2090
Total Loans
size
Value: $106.81M
Peer Median: $258.35M
#2090 of 2643 Bottom 21.0% in $100M-$1B
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