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Chesapeake Bank & Trust Company

Chestertown, MD · Cert 26847 · 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
Loan mix
92%RE $97.4M4%C&I $4.2M4%Consumer $4.4MQ2 2025Q2 2026
Deposit mix
67%Interest-bearing $69.9M33%Noninterest $34.6MQ2 2025Q2 2026

NIM

5.43%Q2 ’245.62%Q2 ’255.62%Q2 ’26-1%-1%

Non-interest income vs. expense

2.65%Q2 ’242.51%Q2 ’252.59%Q2 ’260%-2%

Executive Summary

  • Earnings: ROA of 1.65%, up 3 bps year over year; NIM at 4.42%.
  • Asset quality: problem loans at 0.22% of loans (+18 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.76%, down 3 bps from a year ago.
  • Funding: loans stand at 103.77% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.65%+3 bps YoY

Net Interest Margin (quarter, annualized)

4.42%-5 bps YoY

Efficiency Ratio (quarter, annualized)

53.87%+68 bps YoY

Tier 1 Leverage Ratio

9.76%-3 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.63%1.51%1.56%1.49%1.65%+3 bps
Return on Equity16.57%15.76%16.17%15.33%17.36%+79 bps
Net Interest Margin4.46%4.45%4.37%4.49%4.42%-5 bps
Efficiency Ratio53.19%56.67%54.93%57.70%53.87%+68 bps
Non-Interest Burden2.25%2.41%2.29%2.48%2.20%-5 bps
Growth
Asset Growth (YoY)-4.23%9.80%3.28%3.98%4.45%+868 bps
Loan Growth (YoY)11.32%12.00%4.02%4.20%1.86%-947 bps
Deposit Growth (YoY)-11.64%1.02%5.57%-0.23%0.58%+1,222 bps
Asset Quality
Nonperforming Loans / Loans0.04%0.06%0.06%0.13%0.22%+18 bps
Net Charge-Offs / Loans0.02%0.00%0.05%0.00%0.00%-2 bps
Allowance / Loans1.48%1.47%1.52%1.54%1.53%+5 bps
Allowance Coverage of NPLs37.4x23.1x25.5x11.7x7.0x-30.4x
Capital
Tier 1 Leverage Ratio9.79%9.81%9.73%9.90%9.76%-3 bps
Total Risk-Based Capital15.20%15.17%15.36%15.46%15.07%-14 bps
Equity / Assets9.62%9.55%9.70%9.78%9.30%-33 bps
Liquidity & Funding
Loans / Deposits102.48%106.71%96.26%100.83%103.77%+130 bps
Liquid Assets / Assets1.15%0.35%0.37%0.48%0.35%-80 bps
CRE / Total Capitaln/a224%214%221%n/an/a