Chesapeake Bank & Trust Company: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 3.08 percentage points lower than in Q1 2026, at 118.82%. Among 27 Maryland banks, Chesapeake Bank & Trust Company sits 3rd from the top on loan-to-deposit ratio, 103.77% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Chesapeake Bank & Trust Company sits 22.83 points higher, at 103.77% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $108.5M |
| Net loans and leases | $106.8M |
| Loans held for sale | $0 |
| Loans to total assets | 76.65% |
| Loan-to-deposit ratio | 103.77% |
| Net loans to equity capital | 8.12% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 18.35% |
| Multifamily (5+ residential) | 1.34% |
| Commercial and industrial | 4.19% |
| Consumer | 4.17% |
| Credit cards | 0.00% |
| Farm | 10.95% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.15% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 118.82% |
| Construction concentration (Tier 1 capital + allowance) | 48.47% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.25% |
| Interest income on loans | $1.7M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $88.9M | $99.4M | 25.38% | 5.78% | 3.30% |
| Q4 2023 | $93.5M | $98.7M | 22.47% | 5.47% | 3.19% |
| Q1 2024 | $94.4M | $99.8M | 22.71% | 6.30% | 3.43% |
| Q2 2024 | $95.7M | $117.6M | 22.46% | 5.60% | 2.72% |
| Q3 2024 | $96.8M | $100.6M | 21.74% | 5.48% | 4.14% |
| Q4 2024 | $101.5M | $103.9M | 20.15% | 4.84% | 4.42% |
| Q1 2025 | $101.8M | $105.4M | 20.28% | 5.13% | 4.41% |
| Q2 2025 | $106.5M | $103.9M | 19.46% | 5.23% | 4.46% |
| Q3 2025 | $108.4M | $101.6M | 18.73% | 4.42% | 4.15% |
| Q4 2025 | $105.6M | $109.7M | 18.85% | 4.64% | 4.38% |
| Q1 2026 | $106.1M | $105.2M | 19.21% | 3.94% | 4.17% |
| Q2 2026 | $108.5M | $104.5M | 18.35% | 4.19% | 4.17% |
Chesapeake Bank & Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Chesapeake Bank & Trust Company, freeSource: Call Report Schedule RC-C, 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)