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Chesapeake Bank

$1B-$10B Specialty: Commercial VA FDIC cert 6862

Designations: ✓ Community bank

Kilmarnock, VA

19 branches across VA

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 885 banks in the $1B-$10B peer group nationwide — 1 of 23 in VA.
  • Deposits +2.1% year over year ($1.5B on the books).
  • Delinquency rate 0.24%.
  • Return on assets 1.78%.
  • Efficiency ratio 65.61% vs a 59.73% peer average.
  • Loan-to-deposit ratio 74.17% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 23 in VA
View $1B-$10B leaderboard (VA) →

Chesapeake Bank has 4 strengths but faces 1 concern

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

  • + Profitability Leader: Top 13.5% in tier
  • + Revenue Diversifier: Top 14.9% in tier
  • + Net Interest Margin 0.60% above tier average
  • + Delinquency Rate 0.62% below tier average

Key Concerns

Areas that may need attention

  • - Efficiency Ratio 5.88% above tier average
Get updates when Chesapeake Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Total Assets ? $1.7B
+5.9% YoY +0.0% QoQ
-$1.1B $2.8B
-0.6% YoY
$17.9B
+3.0% YoY
$6.3B
+7.7% YoY
44%
Total Loans ? $1.1B
+18.6% YoY +3.8% QoQ
-$859.7M $2.0B
-0.3% YoY
$10.9B
+3.1% YoY
$3.2B
+9.4% YoY
38%
Total Deposits ? $1.5B
+2.1% YoY +1.6% QoQ
-$831.1M $2.3B
-0.5% YoY
$14.1B
+3.2% YoY
$4.9B
+7.3% YoY
45%
Return on Assets ? 1.78%
+19.1% QoQ
+0.39% 1.39%
+17.0% YoY
1.34%
+70.7% YoY
1.30%
+12.1% YoY
81%
Net Interest Margin ? 4.47%
+12.1% YoY +1.5% QoQ
+0.60% 3.87%
+6.2% YoY
3.88%
+6.6% YoY
3.95%
+4.9% YoY
Top 13.1% in tier
Efficiency Ratio ? 65.61%
-15.2% YoY -2.8% QoQ
+5.88% 59.73%
-12.6% YoY
62.24%
-10.7% YoY
70.05%
+2.5% YoY
30%
Delinquency Rate ? 0.24%
-46.6% YoY -29.5% QoQ
-0.62% 0.87%
+11.7% YoY
0.72%
+0.1% YoY
0.98%
+16.3% YoY
75%
Loan-to-Deposit Ratio ? 74.17%
+16.2% YoY +2.2% QoQ
-10.86% 85.04%
-0.1% YoY
80.15%
+0.8% YoY
79.03%
+2.3% YoY
78%
Non-Interest-Bearing Deposit Share ? 23.04%
-1.2% YoY +1.7% QoQ
+1.76% 21.27%
-1.5% YoY
26.19%
+3.5% YoY
21.98%
-0.6% YoY
65%
Nonperforming Asset Ratio ? 0.16%
-46.5% YoY -26.8% QoQ
-0.52% 0.67%
+11.7% YoY
0.52%
-0.4% YoY
0.69%
+15.8% YoY
78%
Tier 1 Capital Ratio ? 14.25%
+5.9% YoY +3.4% QoQ
-0.60% 14.84%
-0.4% YoY
16.58%
+3.9% YoY
17.09%
+0.8% YoY
67%
Non-Interest Income / Assets ? 1.18%
+26.8% YoY +162.7% QoQ
+0.65% 0.53%
+2.5% YoY
0.52%
+72.6% YoY
0.66%
+5.2% YoY
Top 5.3% in tier

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 (VA) National Avg Tier Percentile
Noninterest-Bearing 23.0%
-0.3pp YoY
+0.4pp QoQ
 +1.7pp 21.4% 26.2% 22.2% 64%
Brokered Deposits 11.7%
+1.0pp YoY
-0.2pp QoQ
 +2.3pp 9.5% 8.5% 8.5% 74%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
C&I 21.2%
+1.3pp YoY
+1.2pp QoQ
 +7.2pp 14.0% 11.0% 12.5% 83%
CRE 53.2%
+1.0pp YoY
-1.4pp QoQ
 +3.2pp 50.0% 46.9% 41.4% 61%
1-4 Family 24.3%
-2.0pp YoY
+0.3pp QoQ
 -2.2pp 26.4% 32.6% 31.3% 52%
Consumer 1.3%
-0.3pp YoY
-0.1pp QoQ
 -3.4pp 4.7% 8.0% 5.0% 52%

Capital

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
CET1 Ratio 14.2%
+0.8pp YoY
+0.5pp QoQ
 -1.3pp 15.6% 17.2% 19.7% 62%
Leverage Ratio 11.2%
+0.7pp YoY
+0.2pp QoQ
 -0.1pp 11.3% 12.2% 12.6% 63%
Total Capital Ratio 15.2%
+0.8pp YoY
+0.5pp QoQ
 -1.5pp 16.7% 18.3% 20.8% 58%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Full-Time Employees 274
-2 (-0.7%) YoY
+3 (+1.1%) QoQ
 -40 313 1,956 482 60%
Assets per Employee ($) $6.3M
+6.7% YoY
-1.0% QoQ
 -$4.2M $10.5M $9.9M $8.8M 15%
Branch Count 19
0 YoY
0 QoQ
 -1 20 28 18 63%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.2% 0.2% 0.4% n/a
Nonaccrual 0.2%
-0.2pp YoY
-0.1pp QoQ
 -0.6pp 0.8% 0.7% 1.0% 25%
Allowance Coverage 4.44x
+73.8% YoY
+40.1% QoQ
 -14.27x 18.71x 9.47x 20.23x 75%
Net Charge-off Rate (YTD) 0.1%
+0.1pp YoY
+0.1pp QoQ
 -0.2pp 0.3% 0.2% 0.2% 60%

Profitability

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
ROE 17.0%
+17.0pp YoY
+2.6pp QoQ
 +4.4pp 12.6% 12.0% 11.6% 83%
Cost of Funds (YTD) 1.7%
-0.3pp YoY
0.0pp QoQ
 -0.2pp 1.9% 1.7% 1.7% 38%
Net Income ($, YTD) $15.2M
+39781.6% YoY
— QoQ
 -$4.1M $19.2M $137.1M $40.4M 60%

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 (2)

Profitability Leader

growth
#31 of 222 • Top 13.5% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 1.78%
(Tier: 1.39%, National: 1.30%)
better than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable

Revenue Diversifier

growth
#34 of 222 • Top 14.9% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 1.18%
(Tier: 0.53%, National: 0.66%)
better than tier avg
Return on Assets: 1.78%
(Tier: 1.39%, National: 1.30%)
better than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

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 885 peers in $1B-$10B

Top Strengths (5 metrics)

48
Non-Interest Income / Assets
revenue_mix
Value: 1.18%
Peer Median: 0.53%
#48 of 885 Top 5.3% in $1B-$10B
117
Net Interest Margin
profitability
Value: 4.47%
Peer Median: 3.87%
#117 of 885 Top 13.1% in $1B-$10B
166
Return on Assets
profitability
Value: 1.78%
Peer Median: 1.39%
#166 of 885 Top 18.6% in $1B-$10B
197
Loan-to-Deposit Ratio
liquidity
Value: 74.17%
Peer Median: 85.04%
#197 of 885 Top 22.1% in $1B-$10B
198
Nonperforming Asset Ratio
credit_quality
Value: 0.16%
Peer Median: 0.67%
#198 of 885 Top 22.3% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available
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