Chestertown, MD · Cert 26847 · Chesapeake Bcorp Employee STK Ownership Plan With 401 K Provisions
State charter, non-member · FDIC · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, 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=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
46
Asset Quality
69
Profitability
84
Liquidity
0
Efficiency
75
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 26847 · Chesapeake Bcorp Employee STK Ownership Plan With 401 K Provisions
State charter, non-member · FDIC · 3 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.54% | 1.54% | 1.65% | 1.63% | 1.59% | 1.59% | 1.49% | 1.57% | -6 bps | |
| Return on Equity | 15.78% | 15.85% | 16.79% | 16.68% | 16.37% | 16.38% | 15.33% | 16.33% | -35 bps | |
| Net Interest Margin | 4.38% | 4.48% | 4.43% | 4.37% | 4.38% | 4.36% | 4.49% | 4.40% | +3 bps | |
| Efficiency Ratio | 58.00% | 58.20% | 53.59% | 53.39% | 54.49% | 54.60% | 57.70% | 55.75% | +236 bps | |
| Non-Interest Burden | 2.39% | 2.45% | 2.15% | 2.17% | 2.24% | 2.24% | 2.48% | 2.31% | +15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.59% | 9.19% | 3.54% | -4.23% | 9.80% | 3.28% | 3.98% | 4.45% | +868 bps | |
| Loan Growth (YoY) | 8.90% | 8.53% | 7.78% | 11.32% | 12.00% | 4.02% | 4.20% | 1.86% | -947 bps | |
| Deposit Growth (YoY) | 1.20% | 5.24% | 5.62% | -11.64% | 1.02% | 5.57% | -0.23% | 0.58% | +1,222 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.27% | 0.11% | 0.05% | 0.04% | 0.06% | 0.06% | 0.13% | 0.22% | +18 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.01% | 0.01% | 0.02% | 0.00% | 0.00% | -1 bps | |
| Allowance / Loans | 1.50% | 1.46% | 1.50% | 1.48% | 1.47% | 1.52% | 1.54% | 1.53% | +5 bps | |
| Allowance Coverage of NPLs | 5.5x | 13.4x | 33.2x | 37.4x | 23.1x | 25.5x | 11.7x | 7.0x | -30.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.67% | 9.82% | 10.00% | 9.79% | 9.81% | 9.73% | 9.90% | 9.76% | -3 bps | |
| Total Risk-Based Capital | 15.58% | 15.20% | 15.55% | 15.20% | 15.17% | 15.36% | 15.46% | 15.07% | -14 bps | |
| Equity / Assets | 10.12% | 9.63% | 10.00% | 9.62% | 9.55% | 9.70% | 9.78% | 9.30% | -33 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.25% | 97.69% | 96.55% | 102.48% | 106.71% | 96.26% | 100.83% | 103.77% | +130 bps | |
| Liquid Assets / Assets | 2.33% | 1.81% | 0.77% | 1.15% | 0.35% | 0.37% | 0.48% | 0.35% | -80 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 224% | 214% | 221% | n/a | n/a | |
Chestertown, MD · Cert 26847 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Chesapeake Bcorp Employee STK Ownership Plan With 401 K Provisions
State charter, non-member · FDIC · 3 branches
Q2 2026
Return on Assets
1.52%
Rank 166 of 746
Net Interest Margin
4.40%
Rank 119 of 746
Efficiency Ratio
55.75%
Rank 188 of 746
Equity / Assets
9.30%
Rank 517 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.52% | 0.72% | 1.06% | 1.45% | Beats 78% | 166 / 746 | ||
| Return on Equity | 16.30% | 6.74% | 10.51% | 13.63% | Beats 89% | 84 / 746 | ||
| Net Interest Margin | 4.40% | 3.17% | 3.68% | 4.16% | Beats 84% | 119 / 746 | ||
| Efficiency Ratio | 55.75% | 55.74% | 64.58% | 75.47% | Beats 75% | 188 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.22% | 0.09% | 0.42% | 1.07% | Beats 65% | 260 / 743 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 73% | 207 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.81% | 11.55% | 13.75% | 17.60% | Beats 50% | 371 / 746 | ||
| Total Risk-Based Capital Ratio | 15.07% | 11.71% | 14.33% | 18.43% | Beats 56% | 328 / 746 | ||
| Equity / Assets | 9.30% | 8.90% | 10.51% | 13.06% | Beats 31% | 517 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 103.77% | 61.31% | 78.27% | 90.78% | 93rd pctl | 49 / 746 | ||
| Loans / Assets | 76.65% | 53.60% | 66.97% | 76.08% | 77th pctl | 173 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||