Chesapeake Bank & Trust Company

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

$141.5MAssets

$108.5MLoans

$104.5MDeposits

$13.2MEquity

Executive Summary

Strongest standing: return on equity outperforms 89% of banks under $1B in assets operating in a single state (rank 84 of 746).
Widest gap: equity / assets trails 69% of banks under $1B in assets operating in a single state (rank 517 of 746).
Overall: at or above the peer median on 8 of 9 directional measures.

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

Non-interest income vs. expense

Unfavorable gap of $3.1M · efficiency ratio beats 75% of banks under $1B in assets operating in a single state

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank
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