PackageTrendsPeer
Letter portraitLegal landscape

Chesapeake Bank

Kilmarnock, VA · Cert 6862 · Chesapeake Finl Shares Inc.

State charter, Fed member · FED · 19 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

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.

Peer group

Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

61

Q2 2024Q2 2026peer median (50)

Asset Quality

61

Q2 2024Q2 2026peer median (50)

Profitability

85

Q2 2024Q2 2026peer median (50)

Liquidity

44

Q2 2024Q2 2026peer median

Efficiency

29

Q2 2024Q2 2026peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Chesapeake Bank

Kilmarnock, VA · Cert 6862 · Chesapeake Finl Shares Inc.

State charter, Fed member · FED · 19 branches

Q2 2026

$1.7BAssets
$1.1BLoans
$1.5BDeposits
$184.6MEquity
Loan mix
79%RE $838.6M20%C&I $213.2M1%Consumer $14.8MQ2 2025Q2 2026
Deposit mix
77%Interest-bearing $1.1B23%Noninterest $0.3BQ2 2025Q2 2026

NIM

5.17%Q2 ’245.27%Q2 ’255.55%Q2 ’26+7%+13%

Non-interest income vs. expense

3.89%Q2 ’244.17%Q2 ’254.16%Q2 ’26+5%-21%

Market Position · Virginia Beach-Chesapeake-Norfolk, VA-NC · 2026 SOD (annual) · 2.8% share · #6 of 22 inst. · $0.9B of $31.1B

64.4% Lancaster
43.0% Gloucester
37.0% Williamsburg (City)
8.0% James (City)

Executive Summary

  • Earnings: ROA of 1.78%, up 177 bps year over year; NIM at 4.03%.
  • Asset quality: problem loans at 0.24% of loans (-21 bps YoY), with net charge-offs at 0.07%.
  • Capital: tier 1 leverage ratio of 11.18%, up 69 bps from a year ago.
  • Funding: loans stand at 74.97% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.78%+177 bps YoY

Net Interest Margin (YTD, annualized)

4.03%+48 bps YoY

Efficiency Ratio (YTD, annualized)

65.61%-1,172 bps YoY

Tier 1 Leverage Ratio

11.18%+69 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.00%0.47%0.80%1.49%1.78%+177 bps
Return on Equity0.05%5.06%8.30%14.48%17.03%+1,698 bps
Net Interest Margin3.55%3.65%3.74%4.04%4.03%+48 bps
Efficiency Ratio77.33%75.43%73.07%67.51%65.61%-1,172 bps
Non-Interest Burden2.33%2.26%2.19%2.15%1.85%-48 bps
Growth
Asset Growth (YoY)6.54%2.89%9.46%7.62%5.90%-64 bps
Loan Growth (YoY)2.87%5.77%10.19%14.74%18.54%+1,568 bps
Deposit Growth (YoY)6.59%1.46%6.72%1.80%2.08%-451 bps
Asset Quality
Nonperforming Loans / Loans0.45%0.47%0.34%0.34%0.24%-21 bps
Net Charge-Offs / Loans0.00%0.01%0.02%0.01%0.07%+6 bps
Allowance / Loans1.15%1.15%1.13%1.08%1.07%-8 bps
Allowance Coverage of NPLs2.6x2.4x3.3x3.2x4.4x+1.9x
Capital
Tier 1 Leverage Ratio10.50%10.68%10.97%11.03%11.18%+69 bps
Total Risk-Based Capital14.34%14.73%14.86%14.67%15.15%+81 bps
Equity / Assets9.47%10.03%10.36%10.26%10.70%+123 bps
Liquidity & Funding
Loans / Deposits64.56%67.16%68.19%73.38%74.97%+1,041 bps
Liquid Assets / Assets0.12%0.11%0.14%0.08%0.11%-1 bps
CRE / Total Capitaln/a281%290%308%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Chesapeake Bank

Kilmarnock, VA · Cert 6862 · Peer group: banks $1B-$10B in assets (n=322-328) · Chesapeake Finl Shares Inc.

State charter, Fed member · FED · 19 branches

Q2 2026

$1.7BAssets
$1.1BLoans
$1.5BDeposits
$184.6MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 87% of banks $1B-$10B in assets (rank 42 of 328).
  • Widest gap: efficiency ratio trails 71% of banks $1B-$10B in assets (rank 235 of 328).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.76%

Rank 45 of 328

Net Interest Margin

4.03%

Rank 55 of 328

Efficiency Ratio

65.81%

Rank 235 of 328

Equity / Assets

10.70%

Rank 145 of 328

Non-interest income vs. expense

$40.6M$73.2MINCOMEEXPENSE
Unfavorable gap of $32.6M · efficiency ratio beats 29% of banks $1B-$10B in assets
Bank 65.81%Peer median 59.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.76%0.91%1.22%1.52%Beats 86%45 / 328
Return on Equity16.42%8.43%11.45%14.43%Beats 87%42 / 328
Net Interest Margin4.03%3.03%3.45%3.83%Beats 83%55 / 328
Efficiency Ratio65.81%51.61%59.56%67.53%Beats 29%235 / 328
Asset Quality
Nonperforming Loans / Loans0.24%0.24%0.51%1.03%Beats 75%82 / 322
Net Charge-Offs / Loans0.04%0.01%0.03%0.10%Beats 47%171 / 322
Capital
Tier 1 Capital Ratio14.25%11.75%13.15%15.47%Beats 64%117 / 328
Total Risk-Based Capital Ratio15.15%12.63%14.15%16.46%Beats 63%121 / 328
Equity / Assets10.70%9.15%10.33%12.01%Beats 56%145 / 328
Liquidity & Funding
Loans / Deposits74.97%76.63%87.92%95.36%23rd pctl250 / 323
Loans / Assets64.66%65.18%74.15%79.98%23rd pctl251 / 328
Brokered Deposits / Depositsn/aNot reported for this institution