Chesapeake Bank & Trust Company: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Cash and balances due from depository institutions: 217.1% higher than in Q1 2026, at $6.9M. Among 27 Maryland banks, Chesapeake Bank & Trust Company sits 3rd from the top on loan-to-deposit ratio, 103.77% as of Q2 2026. Chesapeake Bank & Trust Company reported 103.77% on loan-to-deposit ratio for Q2 2026, 22.83 points above the 80.94% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $6.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $28.3M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $7.9M |
| Other borrowed money | $13.4M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 9.48% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 103.77% |
| Net loans and leases to deposits | 102.19% |
| Loans and leases to core deposits | 113.84% |
| Core deposits to total deposits | 91.16% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 89.44% | 93.82% | $11.4M | $0 |
| Q4 2023 | 94.72% | 93.39% | $6.6M | $0 |
| Q1 2024 | 94.62% | 93.10% | $9.9M | $0 |
| Q2 2024 | 81.33% | 93.89% | $8.9M | $0 |
| Q3 2024 | 96.25% | 92.54% | $9.8M | $0 |
| Q4 2024 | 97.69% | 93.17% | $11.8M | $0 |
| Q1 2025 | 96.55% | 90.60% | $8.2M | $0 |
| Q2 2025 | 102.48% | 90.12% | $8.5M | $7.5M |
| Q3 2025 | 106.71% | 88.35% | $12.3M | $8.4M |
| Q4 2025 | 96.26% | 89.90% | $4.8M | $5.2M |
| Q1 2026 | 100.83% | 91.80% | $7.2M | $6.2M |
| Q2 2026 | 103.77% | 91.16% | $7.9M | $13.4M |
Chesapeake Bank & Trust Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Chesapeake Bank & Trust Company, freeSource: Call Report Schedules RC and RC-M, 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 & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26847) · FFIEC NIC profile (RSSD 304520)