CHESAPEAKE BANK & TRUST COMPANY
CHESAPEAKE BANK & TRUST COMPANY is an FDIC-insured commercial bank headquartered in CHESTERTOWN, MD, established in 1986. As of , 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 4.62%. CET1 capital ratio: 14.11%, well above regulatory minimums. NPL ratio: 0.28% · Texas Ratio: 1.98%. Operates 3 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
Chesapeake Bank & Trust Company rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 14.11% | 1.97% | 0.28% | 1.98% | 4.62% |
| 2025-09-30 | 13.91% | 1.92% | 0.28% | 2.05% | 4.68% |
| 2025-06-30 | 13.95% | 2.07% | 0.26% | 1.93% | 4.68% |
| 2025-03-31 | 14.29% | 2.09% | 0.28% | 1.98% | 4.66% |
| 2024-12-31 | 13.94% | 1.98% | 0.35% | 2.50% | 4.85% |
| 2024-09-30 | 14.32% | 1.64% | 0.52% | 3.53% | 4.68% |
| 2024-06-30 | 14.41% | 2.09% | 0.53% | 3.60% | 4.74% |
| 2024-03-31 | 14.26% | 2.07% | 0.59% | 4.05% | 4.89% |
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Frequently asked about CHESAPEAKE BANK & TRUST COMPANY
What are Chesapeake Bank & Trust Company's total assets?
As of the Q4 2025 filing, Chesapeake Bank & Trust Company reported total assets of $135.4 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Chesapeake Bank & Trust Company headquartered?
Chesapeake Bank & Trust Company is headquartered in CHESTERTOWN, MD, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Chesapeake Bank & Trust Company founded?
Chesapeake Bank & Trust Company was established in 1986, per the FDIC institution directory.
Is Chesapeake Bank & Trust Company FDIC-insured?
Yes. Chesapeake Bank & Trust Company is an FDIC-insured commercial bank (FDIC Certificate #26847). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Chesapeake Bank & Trust Company?
Chesapeake Bank & Trust Company's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Chesapeake Bank & Trust Company's CET1 capital ratio?
Chesapeake Bank & Trust Company reported a Common Equity Tier 1 (CET1) capital ratio of 14.11% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Chesapeake Bank & Trust Company operate?
Chesapeake Bank & Trust Company operates 3 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Chesapeake Bank & Trust Company's Texas Ratio?
Chesapeake Bank & Trust Company's Texas Ratio is 1.98% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.