BlastPoint's Banking Scorecard
Chesapeake Bank
Designations: ✓ Community bank
Kilmarnock, VA
19 branches across VA
Chesapeake Bank has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 20.4% in tier
- + ROA 0.13% above tier average
- + Net Interest Margin 0.59% above tier average
- + Delinquency Rate 0.54% below tier average
Key Concerns
Areas that may need attention
- - Efficiency Ratio 6.45% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.7B
+7.6% YoY
+3.6% QoQ
|
-$1.1B |
$2.8B
-0.1% YoY
|
$17.9B
+25.7% YoY
|
$6.2B
+9.1% YoY
|
43% |
| Total Loans ? |
$1.1B
+14.8% YoY
+7.5% QoQ
|
-$901.9M |
$2.0B
+0.6% YoY
|
$10.6B
+27.9% YoY
|
$3.2B
+10.8% YoY
|
35% |
| Total Deposits ? |
$1.5B
+1.8% YoY
-0.2% QoQ
|
-$879.0M |
$2.3B
-0.3% YoY
|
$14.1B
+22.4% YoY
|
$4.8B
+8.2% YoY
|
44% |
| Return on Assets ? |
1.49%
+246.5% YoY
+87.6% QoQ
|
+0.13% |
1.37%
+19.6% YoY
|
1.15%
+53.9% YoY
|
1.23%
+13.4% YoY
|
70% |
| Net Interest Margin ? |
4.40%
+14.3% YoY
+4.7% QoQ
|
+0.59% |
3.82%
+6.9% YoY
|
3.81%
+7.1% YoY
|
3.89%
+5.7% YoY
|
Top 14.8% in tier |
| Efficiency Ratio ? |
67.51%
-13.5% YoY
-7.6% QoQ
|
+6.45% |
61.06%
-4.6% YoY
|
65.58%
-7.6% YoY
|
66.95%
-4.1% YoY
|
28% |
| Delinquency Rate ? |
0.34%
-12.5% YoY
+0.7% QoQ
|
-0.54% |
0.89%
+14.1% YoY
|
0.77%
+12.4% YoY
|
0.95%
+18.8% YoY
|
66% |
| Loan-to-Deposit Ratio ? |
72.59%
+12.8% YoY
+7.7% QoQ
|
-11.62% |
84.20%
+0.3% YoY
|
79.34%
+0.5% YoY
|
76.70%
+0.9% YoY
|
79% |
| Non-Interest-Bearing Deposit Share ? |
22.64%
+1.8% YoY
-1.4% QoQ
|
+1.35% |
21.29%
-2.5% YoY
|
25.27%
-0.4% YoY
|
22.01%
-1.2% YoY
|
63% |
| Nonperforming Asset Ratio ? |
0.21%
-21.0% YoY
+4.5% QoQ
|
-0.46% |
0.67%
+15.6% YoY
|
0.55%
+12.2% YoY
|
0.67%
+19.3% YoY
|
72% |
| Tier 1 Capital Ratio ? |
13.78%
+2.5% YoY
-1.3% QoQ
|
-1.38% |
15.16%
+2.0% YoY
|
16.28%
+2.7% YoY
|
17.06%
+0.8% YoY
|
60% |
| Non-Interest Income / Assets ? |
0.45%
+7.5% YoY
-78.0% QoQ
|
+0.19% |
0.26%
+1.6% YoY
|
0.18%
+27.1% YoY
|
0.32%
+4.1% YoY
|
Top 7.1% in tier |
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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 (1)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.