Chesapeake Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Compared with Q1 2026, Retained earnings rose 5.4% in Q2 2026 to $148.4M, the biggest move on this page. Chesapeake Bank ranks 23rd of 44 Virginia banks on CET1 ratio, in the lower half at 14.25% (Q2 2026). Chesapeake Bank reported 14.25% on CET1 ratio for Q2 2026, 0.75 points above the 13.49% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.25% |
| Tier 1 risk-based capital ratio | 14.25% |
| Total risk-based capital ratio | 15.15% |
| Tier 1 leverage ratio | 11.18% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $196.0M |
| Tier 1 capital | $196.0M |
| Total risk-based capital | $208.5M |
| Total equity capital | $184.6M |
| Risk-weighted assets | $1.38B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.70% |
| Tangible equity to tangible assets | 10.35% |
| Equity capital to average assets | 10.49% |
| Internal capital growth rate | 17.25% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.0M |
| Common stock surplus | $52.5M |
| Retained earnings | $148.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$18.2M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 12.89% | 12.89% | 13.84% | 10.30% | $1.12B |
| Q4 2023 | 12.40% | 12.40% | 13.24% | 10.03% | $1.19B |
| Q1 2024 | 12.23% | 12.23% | 13.07% | 9.85% | $1.22B |
| Q2 2024 | 12.28% | 12.28% | 13.14% | 9.79% | $1.23B |
| Q3 2024 | 12.18% | 12.18% | 13.03% | 9.68% | $1.26B |
| Q4 2024 | 12.78% | 12.78% | 13.67% | 9.80% | $1.22B |
| Q1 2025 | 13.44% | 13.44% | 14.32% | 10.61% | $1.25B |
| Q2 2025 | 13.45% | 13.45% | 14.34% | 10.50% | $1.28B |
| Q3 2025 | 13.82% | 13.82% | 14.73% | 10.68% | $1.28B |
| Q4 2025 | 13.96% | 13.96% | 14.86% | 10.97% | $1.31B |
| Q1 2026 | 13.78% | 13.78% | 14.67% | 11.03% | $1.37B |
| Q2 2026 | 14.25% | 14.25% | 15.15% | 11.18% | $1.38B |
Chesapeake Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Chesapeake Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Chesapeake Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6862) · FFIEC NIC profile (RSSD 214722)