Chesapeake Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 126.92 percentage points higher than in Q1 2026, at 443.76%. Within Virginia, Chesapeake Bank is 12th of 56 on return on assets, 2.01% as of Q2 2026. Chesapeake Bank's return on assets of 2.01% is well above the 1.27% median for banks in the $1B-10B asset tier, a gap of 0.73 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.25% |
| Tier 1 risk-based capital ratio | 14.25% |
| Total risk-based capital ratio | 15.15% |
| Tier 1 leverage ratio | 11.18% |
| Equity capital to assets | 10.70% |
| Tangible equity to tangible assets | 10.35% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.24% |
| Non-performing assets ratio | 0.16% |
| Net charge-off ratio | 0.13% |
| Texas ratio | 1.41% |
| Allowance for credit losses to loans | 1.07% |
| Reserve coverage of non-performing loans | 443.76% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.01% |
| Return on equity | 19.54% |
| Net interest margin | 4.46% |
| Efficiency ratio | 64.02% |
| Yield on earning assets | 6.17% |
| Cost of funds | 1.82% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 74.97% |
| Core deposits to total deposits | 82.75% |
| Brokered deposits to total deposits | 11.73% |
| Deposits to assets | 86.25% |
| Securities to assets | 28.71% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.89% | 12.89% | 13.84% | 10.30% | 0.87% |
| Q4 2023 | 12.40% | 12.40% | 13.24% | 10.03% | 0.34% |
| Q1 2024 | 12.23% | 12.23% | 13.07% | 9.85% | 0.82% |
| Q2 2024 | 12.28% | 12.28% | 13.14% | 9.79% | 0.86% |
| Q3 2024 | 12.18% | 12.18% | 13.03% | 9.68% | 0.77% |
| Q4 2024 | 12.78% | 12.78% | 13.67% | 9.80% | 0.81% |
| Q1 2025 | 13.44% | 13.44% | 14.32% | 10.61% | -1.00% |
| Q2 2025 | 13.45% | 13.45% | 14.34% | 10.50% | 0.98% |
| Q3 2025 | 13.82% | 13.82% | 14.73% | 10.68% | 1.36% |
| Q4 2025 | 13.96% | 13.96% | 14.86% | 10.97% | 1.70% |
| Q1 2026 | 13.78% | 13.78% | 14.67% | 11.03% | 1.47% |
| Q2 2026 | 14.25% | 14.25% | 15.15% | 11.18% | 2.01% |
Chesapeake Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Chesapeake Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)