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
Unfavorable gap of $32.6M · efficiency ratio beats 29% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.76% | 0.91% | 1.22% | 1.52% | Beats 86% | 45 / 328 | | |
| Return on Equity | 16.42% | 8.43% | 11.45% | 14.43% | Beats 87% | 42 / 328 | | |
| Net Interest Margin | 4.03% | 3.03% | 3.45% | 3.83% | Beats 83% | 55 / 328 | | |
| Efficiency Ratio | 65.81% | 51.61% | 59.56% | 67.53% | Beats 29% | 235 / 328 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.24% | 0.24% | 0.51% | 1.03% | Beats 75% | 82 / 322 | | |
| Net Charge-Offs / Loans | 0.04% | 0.01% | 0.03% | 0.10% | Beats 47% | 171 / 322 | | |
| Capital |
| Tier 1 Capital Ratio | 14.25% | 11.75% | 13.15% | 15.47% | Beats 64% | 117 / 328 | | |
| Total Risk-Based Capital Ratio | 15.15% | 12.63% | 14.15% | 16.46% | Beats 63% | 121 / 328 | | |
| Equity / Assets | 10.70% | 9.15% | 10.33% | 12.01% | Beats 56% | 145 / 328 | | |
| Liquidity & Funding |
| Loans / Deposits | 74.97% | 76.63% | 87.92% | 95.36% | 23rd pctl | 250 / 323 | | |
| Loans / Assets | 64.66% | 65.18% | 74.15% | 79.98% | 23rd pctl | 251 / 328 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |