Chesapeake Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Chesapeake Bank of Kilmarnock, VA against its peer group of 941 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.01% | 1.34% | +0.67% | 86th top |
| ROAE | 19.54% | 12.34% | +7.20% | 88th top |
| Net Interest Margin | 4.46% | 3.83% | +0.63% | 87th top |
| Efficiency Ratio | 64.02% | 58.97% | +5.05% | 33rd below |
| PPNR / Avg Assets | 2.49% | — | — | 87th top |
| Yield on Earning Assets | 6.17% | 5.71% | +0.46% | 81st top |
| Cost of Funds | 1.82% | 2.02% | -0.20% | 60th above |
| Net Interest Spread | 3.86% | — | — | 88th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.24% | 0.87% | -0.63% | 75th top |
| NPA / Total Assets | 0.16% | — | — | 77th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.13% | 0.43% | -0.30% | 24th bottom |
| ACL / Total Loans | 1.07% | — | — | 39th below |
| ACL / NPLs (Coverage) | 443.76% | — | — | 75th top |
| Texas Ratio | 1.41% | 5.48% | -4.07% | 77th top |
| Provision / NCO | 185.71% | — | — | 52nd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 14.25% | 14.99% | -0.74% | 61st above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 14.25% | 15.02% | -0.77% | 61st above |
| Total Capital Ratio | 15.15% | — | — | 58th above |
| Leverage Ratio | 11.18% | 11.11% | +0.07% | 63rd above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.70% | 11.02% | -0.32% | 55th above |
| TCE / Tangible Assets | 10.35% | — | — | 61st above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 74.97% | 86.99% | -12.02% | 78th top |
| Core Deposit Ratio | 82.75% | 85.57% | -2.82% | 28th below |
| Uninsured Deposit Ratio | 23.21% | 33.19% | -9.98% | 76th top |
| Wholesale Funding Ratio | 2.50% | — | — | 64th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 5.90% | — | — | 53rd above |
| Loan Growth (Y/Y) | 18.54% | — | — | 90th top |
| Deposit Growth (Y/Y) | 2.08% | — | — | 29th below |
See Chesapeake Bank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Chesapeake Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Chesapeake Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Chesapeake Bank peer analysis.