Chestertown, MD · Cert 12885
FDIC · 7 branches
Q3 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2025, the quarter ended September 30, 2025, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating in a single state (n=843 to 849). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
86
Asset Quality
64
Profitability
65
Liquidity
78
Efficiency
31
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Chestertown, MD · Cert 12885
FDIC · 7 branches
Q3 2025
Market Position · Baltimore-Columbia-Towson, MD · 2025 SOD (annual) · 0.0% share · #37 of 42 inst. · $0.0B of $101.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.43% | 1.41% | 1.18% | 1.18% | 1.08% | 1.46% | 1.29% | 1.24% | +5 bps | |
| Return on Equity | 16.13% | 13.56% | 11.20% | 10.87% | 9.82% | 12.15% | 10.43% | 9.75% | -112 bps | |
| Net Interest Margin | 4.03% | 3.88% | 3.93% | 3.94% | 3.96% | 3.93% | 3.95% | 3.97% | +3 bps | |
| Efficiency Ratio | 67.58% | 71.14% | 74.84% | 74.28% | 77.22% | 71.37% | 73.46% | 74.23% | -5 bps | |
| Non-Interest Burden | 2.15% | 1.98% | 2.40% | 2.40% | 2.63% | 1.92% | 2.28% | 2.38% | -2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.05% | -6.49% | -4.33% | -2.46% | -4.04% | -1.80% | -3.23% | -2.05% | +41 bps | |
| Loan Growth (YoY) | 7.06% | 9.25% | 2.09% | 2.06% | -0.46% | -2.66% | -2.42% | -4.95% | -700 bps | |
| Deposit Growth (YoY) | -13.09% | -8.55% | -6.82% | -5.90% | -5.31% | -3.70% | -5.00% | -2.63% | +327 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.29% | 0.41% | 0.39% | 0.38% | 0.24% | 0.22% | 0.30% | 0.29% | -9 bps | |
| Net Charge-Offs / Loans | -0.11% | -0.03% | -0.02% | -0.02% | -0.03% | -0.02% | -0.04% | -0.03% | -1 bps | |
| Allowance / Loans | 1.45% | 1.43% | 1.45% | 1.46% | 1.38% | 1.39% | 1.37% | 1.38% | -8 bps | |
| Allowance Coverage of NPLs | 5.1x | 3.5x | 3.7x | 3.8x | 5.8x | 6.3x | 4.6x | 4.8x | +1.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.59% | 12.01% | 12.41% | 12.60% | 12.84% | 13.42% | 13.66% | 13.92% | +132 bps | |
| Total Risk-Based Capital | 20.84% | 21.11% | 21.96% | 22.92% | 23.46% | 24.36% | 24.65% | 26.07% | +315 bps | |
| Equity / Assets | 10.07% | 10.68% | 10.90% | 11.88% | 11.61% | 12.50% | 13.07% | 13.51% | +163 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 66.41% | 71.12% | 70.16% | 72.67% | 69.81% | 71.88% | 72.06% | 70.94% | -173 bps | |
| Liquid Assets / Assets | 17.50% | 14.06% | 15.22% | 14.13% | 16.01% | 15.15% | 14.68% | 16.08% | +195 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 147.80% | n/a | n/a |
Chestertown, MD · Cert 12885 · Peer group: banks under $1B in assets operating in a single state (n=843-849)
FDIC · 7 branches
Q3 2025
Return on Assets
1.26%
Rank 255 of 849
Net Interest Margin
3.97%
Rank 230 of 849
Efficiency Ratio
75.42%
Rank 589 of 849
Equity / Assets
13.51%
Rank 193 of 849
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.26% | 0.60% | 0.92% | 1.34% | Beats 70% | 255 / 849 | ||
| Return on Equity | 9.30% | 5.33% | 9.20% | 12.48% | Beats 51% | 413 / 848 | ||
| Net Interest Margin | 3.97% | 2.93% | 3.45% | 4.03% | Beats 73% | 230 / 849 | ||
| Efficiency Ratio | 75.42% | 58.46% | 68.22% | 77.90% | Beats 31% | 589 / 849 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.29% | 0.06% | 0.40% | 1.03% | Beats 58% | 357 / 843 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.07% | Beats 69% | 267 / 843 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 24.82% | 11.59% | 13.93% | 17.99% | Beats 90% | 88 / 849 | ||
| Total Risk-Based Capital Ratio | 26.07% | 11.90% | 14.68% | 18.78% | Beats 90% | 87 / 849 | ||
| Equity / Assets | 13.51% | 8.73% | 10.40% | 13.12% | Beats 77% | 193 / 849 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 70.94% | 62.07% | 77.56% | 89.95% | 39th pctl | 518 / 849 | ||
| Loans / Assets | 60.97% | 53.39% | 65.75% | 75.62% | 38th pctl | 520 / 843 | ||
| Brokered Deposits / Deposits | 0.00% | n/a | n/a | 2.94% | Beats 100% | 521 / 849 | n/a | |