Chesapeake Bank & Trust Company
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Data as of · sourced from FFIEC call reports. How we update
Chesapeake Bank & Trust Company is an FDIC-insured commercial bank headquartered in Chestertown, MD, established in 1986 (FDIC certificate 26847), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $141.5M, up 4.4% from Q2 2025, the 25th largest of 27 banks headquartered in Maryland. Its CET1 capital ratio was 13.81% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 26847
- Headquarters
- Chestertown, MD
- Established
- 1986
- Total assets, Q2 2026
- $141.5M
- Assets vs Q2 2025
- +4.4%
- CET1 ratio, Q2 2026
- 13.81%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 052102228
- Latest call report
- Q2 2026, FFIEC 051 · Chesapeake Bank & Trust Company call report
- Holding company
- CHESAPEAKE BANCORP
- Asset rank in state
- 25th of 27 in Maryland
Chesapeake Bank & Trust Company is one of the more profitable banks of its size. Based in Chestertown, Maryland, it had $142 million in assets at June 30, 2026, up 4.4% from a year earlier. It returns 22.1% a year on shareholders' equity, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 12.5%). It also keeps 4.61 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, Chesapeake Bank & Trust Company reported a CET1 capital ratio of 13.81%, a return on assets of 2.14%, a nonperforming-loan ratio of 0.22% and a Texas ratio of 1.59%. The figures come from its call report filed with the FFIEC.
Chesapeake Bank & Trust Company ranks as the 25th largest of the 27 banks based in Maryland, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 5.6% to $141.5M, loans rose 2.3% and deposits fell 0.6%. 1-4 family residential loans made up 54.2% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 11.0%. Its 3 offices in the FDIC Summary of Deposits are in Chestertown, MD. On its Q2 2026 call report, Chesapeake Bank & Trust Company meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 245 High St, Chestertown, MD 21620
- County
- Kent
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- No
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- December 15, 1986
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 18
- Domestic deposits
- $104.5M
- Allowance for credit losses
- $1.7M
- Net charge-offs (YTD)
- $1K
- Average total assets
- $135.5M
- Average total loans
- $107.1M
- Average interest-bearing deposits
- $69.1M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- December 15, 1986
- FDIC Cert
- 26847
- Fed RSSD
- 304520
- Website
- www.chesapeaketrust.com →
- Parent Holding Company
- CHESAPEAKE BANCORP (RSSD 1866418)
- Ultimate Parent
- RSSD 2857758
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Chesapeake Bank & Trust Company's total assets ranged from $120.1M (Q4 2023) to $141.5M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$141.5M total assets against $135.5M; $128.4M total liabilities against $122.4M.
$106.8M net loans and leases against $104.9M; $104.5M total deposits against $103.9M.
$21.4M securities against $19.9M; $6.9M cash and balances due against $4.6M.
$1.9M total interest income against $1.9M; $409K total interest expense against $384K.
$1.5M net interest income against $1.5M.
$132K total noninterest income against $88K; $877K total noninterest expense against $833K.
$25K provision for credit losses against $50K.
$726K net income against $683K.
2.14% return on assets against 2.06%; 4.61% net interest margin against 4.67%.
13.81% CET1 capital ratio against 13.95%; 9.76% tier 1 leverage ratio against 9.79%.
Inside the full Chesapeake Bank & Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Chesapeake Bank & Trust Company rankings
Its closest position to the top of a national ranking is 361 of 3,611, for ROA; its furthest is 3,351 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.68% (Q3 2024) to 2.14% (Q2 2026) and its net interest margin ran from 4.60% (Q4 2025) to 4.82% (Q4 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.81% | 2.14% | 0.22% | 1.59% | 4.61% |
| Q1 2026 | 14.21% | 1.93% | 0.13% | 0.94% | 4.69% |
| Q4 2025 | 14.11% | 2.01% | 0.06% | 0.43% | 4.60% |
| Q3 2025 | 13.91% | 1.97% | 0.06% | 0.47% | 4.66% |
| Q2 2025 | 13.95% | 2.06% | 0.04% | 0.29% | 4.67% |
| Q1 2025 | 14.29% | 2.12% | 0.05% | 0.32% | 4.65% |
| Q4 2024 | 13.94% | 1.98% | 0.11% | 0.78% | 4.82% |
| Q3 2024 | 14.32% | 1.68% | 0.27% | 1.86% | 4.65% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Chesapeake Bank & Trust Co. | Chestertown , MD | 21620 | $88.1M |
| Washington Avenue Branch Office | Chestertown , MD | 21620 | $11.3M |
| Heron Point Branch | Chestertown , MD | 21620 | $5.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MD, rank 51 of 69 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $35K approved, $35K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1997 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Chesapeake Bank & Trust Company
What are Chesapeake Bank & Trust Company's total assets?
As of the Q2 2026 filing, Chesapeake Bank & Trust Company reported total assets of $141.5 million in its FFIEC call report.
Where is Chesapeake Bank & Trust Company headquartered?
It is headquartered in Chestertown, MD, United States.
When was Chesapeake Bank & Trust Company founded?
It was established in 1986, per the FDIC institution directory.
Is Chesapeake Bank & Trust Company FDIC-insured?
Yes. It 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.
What is Chesapeake Bank & Trust Company's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.81% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Chesapeake Bank & Trust Company operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Chesapeake Bank & Trust Company's Texas Ratio?
Its Texas Ratio is 1.59% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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