Chesapeake Bank & Trust Company: 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: 84.02 percentage points lower than in Q1 2026, at 365.56%. On return on assets, Chesapeake Bank & Trust Company ranks 2nd highest among the 27 banks headquartered in Maryland, at 2.14% (Q2 2026). Against a median of 1.25% for banks in the $100M-1B asset tier, Chesapeake Bank & Trust Company reported 2.14% on return on assets in Q2 2026, 0.89 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.81% |
| Tier 1 risk-based capital ratio | 13.81% |
| Total risk-based capital ratio | 15.07% |
| Tier 1 leverage ratio | 9.76% |
| Equity capital to assets | 9.30% |
| Tangible equity to tangible assets | 9.30% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.42% |
| Non-performing assets ratio | 0.32% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 3.06% |
| Allowance for credit losses to loans | 1.53% |
| Reserve coverage of non-performing loans | 365.56% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.14% |
| Return on equity | 22.11% |
| Net interest margin | 4.61% |
| Efficiency ratio | 53.87% |
| Yield on earning assets | 5.87% |
| Cost of funds | 1.37% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 103.77% |
| Core deposits to total deposits | 91.16% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 73.86% |
| Securities to assets | 15.10% |
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 | 14.40% | 14.40% | 15.66% | 9.81% | 1.86% |
| Q4 2023 | 13.86% | 13.86% | 15.11% | 9.87% | 1.69% |
| Q1 2024 | 14.26% | 14.26% | 15.51% | 10.30% | 2.10% |
| Q2 2024 | 14.41% | 14.41% | 15.66% | 9.85% | 2.16% |
| Q3 2024 | 14.32% | 14.32% | 15.58% | 9.67% | 1.68% |
| Q4 2024 | 13.94% | 13.94% | 15.20% | 9.82% | 1.98% |
| Q1 2025 | 14.29% | 14.29% | 15.55% | 10.00% | 2.12% |
| Q2 2025 | 13.95% | 13.95% | 15.20% | 9.79% | 2.06% |
| Q3 2025 | 13.91% | 13.91% | 15.17% | 9.81% | 1.97% |
| Q4 2025 | 14.11% | 14.11% | 15.36% | 9.73% | 2.01% |
| Q1 2026 | 14.21% | 14.21% | 15.46% | 9.90% | 1.93% |
| Q2 2026 | 13.81% | 13.81% | 15.07% | 9.76% | 2.14% |
Chesapeake Bank & Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Chesapeake Bank & Trust Company, 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 & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26847) · FFIEC NIC profile (RSSD 304520)