Chesapeake Bank & Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Chesapeake Bank & Trust Company of Chestertown, MD against its peer group of 2603 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 | 2.14% | 1.34% | +0.80% | 89th top |
| ROAE | 22.11% | 13.32% | +8.79% | 92nd top |
| Net Interest Margin | 4.61% | 3.93% | +0.68% | 83rd top |
| Efficiency Ratio | 53.87% | 61.13% | -7.26% | 72nd above |
| PPNR / Avg Assets | 2.22% | 1.68% | +0.54% | 80th top |
| Yield on Earning Assets | 5.87% | 5.67% | +0.20% | 63rd above |
| Cost of Funds | 1.37% | 1.88% | -0.51% | 77th top |
| Net Interest Spread | 3.99% | 3.32% | +0.67% | 83rd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.42% | 0.94% | -0.52% | 49th below |
| NPA / Total Assets | 0.32% | 0.70% | -0.38% | 50th above |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.53% | 1.28% | +0.25% | 80th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 365.56% | 1546.30% | -1180.74% | 64th above |
| Texas Ratio | 3.06% | 7.34% | -4.28% | 53rd above |
| Provision / NCO | 5000.00% | 1394.12% | +3605.88% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.81% | 19.49% | -5.68% | 37th below |
| Tier 1 Ratio | 13.81% | 19.52% | -5.71% | 37th below |
| Total Capital Ratio | 15.07% | 20.61% | -5.54% | 38th below |
| Leverage Ratio | 9.76% | 12.14% | -2.38% | 26th below |
| Equity / Assets | 9.30% | 11.37% | -2.07% | 32nd below |
| TCE / Tangible Assets | 9.30% | 11.08% | -1.78% | 36th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 103.77% | 80.66% | +23.11% | 7th bottom |
| Core Deposit Ratio | 91.16% | 86.85% | +4.31% | 62nd above |
| Wholesale Funding Ratio | 15.07% | 5.03% | +10.04% | 5th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.45% | 6.84% | -2.39% | 50th above |
| Loan Growth (Y/Y) | 1.86% | 7.92% | -6.06% | 31st below |
| Deposit Growth (Y/Y) | 0.58% | 6.29% | -5.71% | 27th below |
See Chesapeake Bank & Trust Company's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Chesapeake Bank & Trust Company, 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 & Trust Company profile, how to read a UBPR, or how this data updates.