BlastPoint's Banking Scorecard

The Chesapeake Bank & Trust Co.

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

Chestertown, MD

3 branches across MD

2664 banks in the $100M-$1B peer group nationally 17 in 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 62.5% in tier
+ ROA 0.63% above tier average
+ Efficiency Ratio 7.59% below tier average
+ Delinquency Rate 0.75% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 11.1% in tier
- Credit Quality Pressure: Bottom 16.1% in tier
- Liquidity Strain: Bottom 43.1% in tier

Get updates when The Chesapeake Bank & Trust Co. releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
Total Assets ?	$134.0M +4.0% YoY -1.1% QoQ	-$252.1M	$386.1M +0.5% YoY	$1.8B +4.9% YoY	$6.2B +9.1% YoY	Bottom 9.3% in tier
Total Loans ?	$104.4M +4.2% YoY +0.4% QoQ	-$151.3M	$255.7M +1.1% YoY	$1.3B +7.3% YoY	$3.2B +10.8% YoY	21%
Total Deposits ?	$105.2M -0.2% YoY -4.1% QoQ	-$222.8M	$328.0M +0.1% YoY	$1.6B +7.4% YoY	$4.8B +8.2% YoY	Bottom 7.1% in tier
Return on Assets ?	1.90% -9.2% YoY -5.6% QoQ	+0.63%	1.27% +12.9% YoY	0.90% +4.7% YoY	1.23% +13.4% YoY	85%
Net Interest Margin ?	4.74% +1.4% YoY +0.6% QoQ	+0.81%	3.93% +6.0% YoY	3.69% +5.2% YoY	3.89% +5.7% YoY	Top 12.0% in tier
Efficiency Ratio ?	57.70% +7.7% YoY +5.7% QoQ	-7.59%	65.29% -4.5% YoY	68.69% -3.5% YoY	66.95% -4.1% YoY	67%
Delinquency Rate ?	0.13% +190.1% YoY +119.7% QoQ	-0.75%	0.89% +18.8% YoY	1.00% +1.9% YoY	0.95% +18.8% YoY	70%
Loan-to-Deposit Ratio ?	99.28% +4.4% YoY +4.7% QoQ	+22.64%	76.64% +0.8% YoY	87.36% +2.8% YoY	76.70% +0.9% YoY	Bottom 9.3% in tier
Non-Interest-Bearing Deposit Share ?	33.66% -0.7% YoY -2.9% QoQ	+11.64%	22.02% -1.0% YoY	20.21% -0.6% YoY	22.01% -1.2% YoY	Top 11.5% in tier
Nonperforming Asset Ratio ?	0.10% +190.6% YoY +123.0% QoQ	-0.53%	0.64% +19.7% YoY	0.86% +7.2% YoY	0.67% +19.3% YoY	70%
Tier 1 Capital Ratio ?	14.21% -0.6% YoY +0.7% QoQ	-1.62%	15.83% +1.5% YoY	16.27% -0.9% YoY	17.06% +0.8% YoY	59%
Non-Interest Income / Assets ?	0.06% -47.2% YoY -79.3% QoQ	-0.22%	0.28% +9.3% YoY	0.12% -21.7% YoY	0.32% +4.1% YoY	28%

Get Full Access to The Chesapeake Bank & Trust Co.

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

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

#171 of 272 • Top 62.5% 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: 33.66%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 4.74%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ | QoQ rank improving

Concerns (3)

Credit Risk Growth

risk

#109 of 973 • Bottom 11.1% in tier

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

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ

Credit Quality Pressure

risk

#211 of 1308 • Bottom 16.1% in tier

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

Why this signature

Delinquency Rate: 0.13%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ

Liquidity Strain

risk

#278 of 643 • Bottom 43.1% 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: 99.28%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (3 metrics)

308

Non-Interest-Bearing Deposit Share

funding

Value: 33.66%

Peer Median: 22.02%

#308 of 2664 Top 11.5% in $100M-$1B

321

Net Interest Margin

profitability

Value: 4.74%

Peer Median: 3.93%

#321 of 2664 Top 12.0% in $100M-$1B

406

Return on Assets

profitability

Value: 1.90%

Peer Median: 1.27%

#406 of 2664 Top 15.2% in $100M-$1B

Top Weaknesses (4 metrics)

2475

Total Deposits

size

Value: $105.18M

Peer Median: $327.97M

#2475 of 2664 Bottom 7.1% in $100M-$1B

2418

Loan-to-Deposit Ratio

liquidity

Value: 99.28%

Peer Median: 76.64%

#2418 of 2664 Bottom 9.3% in $100M-$1B

2417

Total Assets

size

Value: $133.99M

Peer Median: $386.08M

#2417 of 2664 Bottom 9.3% in $100M-$1B

2107

Total Loans

size

Value: $104.42M

Peer Median: $255.72M

#2107 of 2664 Bottom 20.9% in $100M-$1B