Kilmarnock, VA · Cert 6862 · Chesapeake Finl Shares Inc.
State charter, Fed member · FED · 19 branches
Q2 2026
Market Position · Virginia Beach-Chesapeake-Norfolk, VA-NC · 2026 SOD (annual) · 2.8% share · #6 of 22 inst. · $0.9B of $31.1B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.78% | 0.83% | -1.02% | 0.99% | 1.38% | 1.73% | 1.49% | 2.05% | +105 bps | |
| Return on Equity | 9.56% | 9.85% | -11.31% | 10.51% | 14.20% | 16.97% | 14.48% | 19.54% | +904 bps | |
| Net Interest Margin | 3.40% | 3.43% | 3.48% | 3.72% | 3.92% | 4.11% | 4.04% | 4.11% | +40 bps | |
| Efficiency Ratio | 81.15% | 81.62% | 78.08% | 76.68% | 72.22% | 66.67% | 67.51% | 64.06% | -1,262 bps | |
| Non-Interest Burden | 2.40% | 2.48% | 2.36% | 2.37% | 2.17% | 2.03% | 2.15% | 1.61% | -76 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.05% | 3.62% | 6.24% | 6.54% | 2.89% | 9.46% | 7.62% | 5.90% | -64 bps | |
| Loan Growth (YoY) | 8.82% | 5.03% | 4.05% | 2.87% | 5.77% | 10.19% | 14.74% | 18.54% | +1,568 bps | |
| Deposit Growth (YoY) | 14.58% | 8.31% | 7.27% | 6.59% | 1.46% | 6.72% | 1.80% | 2.08% | -451 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.48% | 0.25% | 0.39% | 0.45% | 0.47% | 0.34% | 0.34% | 0.24% | -21 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.09% | 0.01% | 0.00% | 0.02% | 0.04% | 0.01% | 0.12% | +12 bps | |
| Allowance / Loans | 1.13% | 1.14% | 1.12% | 1.15% | 1.15% | 1.13% | 1.08% | 1.07% | -8 bps | |
| Allowance Coverage of NPLs | 2.4x | 4.6x | 2.9x | 2.6x | 2.4x | 3.3x | 3.2x | 4.4x | +1.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.68% | 9.80% | 10.61% | 10.50% | 10.68% | 10.97% | 11.03% | 11.18% | +69 bps | |
| Total Risk-Based Capital | 13.03% | 13.67% | 14.32% | 14.34% | 14.73% | 14.86% | 14.67% | 15.15% | +81 bps | |
| Equity / Assets | 8.30% | 8.54% | 9.46% | 9.47% | 10.03% | 10.36% | 10.26% | 10.70% | +123 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 64.42% | 66.04% | 65.10% | 64.56% | 67.16% | 68.19% | 73.38% | 74.97% | +1,041 bps | |
| Liquid Assets / Assets | 1.72% | 0.15% | 0.26% | 0.12% | 0.11% | 0.14% | 0.08% | 0.11% | -1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 281% | 290% | 308% | n/a | n/a | |