CHESAPEAKE BANK & TRUST COMPANY

CHESTERTOWN, MD | Small | Est. Dec. 15, 1986, midnight | FDIC #26847 | RSSD #304520 | FDIC
Latest Report: 2025-12-31

CHESAPEAKE BANK & TRUST COMPANY is asn small FDIC-insured commercial bank headquartered in CHESTERTOWN, MD, established in Dec. 15, 1986, midnight. As of 2025-12-31, the bank reported total assets of $135M and total deposits of $110M. Profitability stands at 1.97% ROA and 20.49% ROE, with a net interest margin of 4.67%. The bank's CET1 capital ratio is 14.11%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.06% and a Texas Ratio of 0.43%. FDIC Certificate #26847.

Assets

$135M

Deposits

$110M

Loans

$106M

Equity

$13M

Profitability

Return on Assets (ROA) 1.97%
Return on Equity (ROE) 20.49%
Net Interest Margin (NIM) 4.67%
Yield on Assets 6.02%
Cost of Funds 1.52%

Asset Quality

NPL Ratio 0.06%
Net Charge-Off Ratio 0.02%
Texas Ratio 0.43%
NPA Ratio 0.05%
ACL / Loans 1.52%

Capital & Liquidity

CET1 Ratio 14.11%
Tier 1 Capital 14.11%
Total Capital Ratio 15.36%
Leverage Ratio 9.73%
Loan-to-Deposit 96.26%

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