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 | |