Chesapeake Bank & Trust Company: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The standout move of Q2 2026 was in Cost of borrowings: 0.98 percentage points higher than in Q1 2026, at 2.87%. Within Maryland, Chesapeake Bank & Trust Company is 5th of 27 on net interest margin, 4.61% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Chesapeake Bank & Trust Company sits 0.66 points higher, at 4.61% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.87% |
| Yield on loans | 6.25% |
| Yield on securities | 3.89% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.37% |
| Cost of interest-bearing deposits | 1.70% |
| Cost of interest-bearing liabilities | 1.88% |
| Cost of borrowings | 2.87% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.61% |
| Yield to cost spread | 3.99% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.7M |
| Total interest expense | $409K |
| Interest expense on deposits | $297K |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.96% | 0.74% | 4.28% | 5.74% | 2.16% |
| Q4 2023 | 5.34% | 0.87% | 4.55% | 5.89% | 3.23% |
| Q1 2024 | 5.67% | 0.86% | 4.87% | 5.90% | 4.50% |
| Q2 2024 | 5.70% | 1.05% | 4.72% | 5.92% | 4.54% |
| Q3 2024 | 5.83% | 1.26% | 4.65% | 6.09% | 4.67% |
| Q4 2024 | 5.90% | 1.17% | 4.82% | 6.21% | 4.64% |
| Q1 2025 | 5.72% | 1.15% | 4.65% | 5.98% | 4.51% |
| Q2 2025 | 5.88% | 1.32% | 4.67% | 6.14% | 4.46% |
| Q3 2025 | 5.93% | 1.38% | 4.66% | 6.25% | 4.35% |
| Q4 2025 | 5.93% | 1.42% | 4.60% | 6.29% | 4.10% |
| Q1 2026 | 5.77% | 1.16% | 4.69% | 6.15% | 3.91% |
| Q2 2026 | 5.87% | 1.37% | 4.61% | 6.25% | 3.89% |
Chesapeake Bank & Trust Company yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Chesapeake Bank & Trust Company, freeSource: Call Report Schedules RI and RC-K, 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)