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The Chesapeake Bank & Trust Co.
Chestertown, MD · FDIC Certificate #26847 · Chartered 12/1
Total assets
$141.51M
Total deposits
$104.52M
Total equity
$13.16M
Net loans
$106.81M
Branches (offices)
3
Net income (YTD)
$1.37M
Rank: #3,364 of 4,213 U.S. banks by assets · #25 of 27 in Maryland. Assets changed 4.4% and deposits 0.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.99% |
| Return on equity | 20.80% |
| Net interest margin (YTD) | 4.72% |
| Equity to assets | 9.30% |
| Tier 1 leverage ratio | 9.76% |
| Uninsured deposits (share of deposits) | 23.5% |
| Noncurrent loans (share of loans) | 0.22% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 102.2% |
| Real estate loans (share of loans) | 93.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $99.29M | 93.0% | |
| Commercial & industrial | $4.55M | 4.3% | |
| Consumer / individual | $4.52M | 4.2% | |
| Construction & development | $7.21M | 6.8% | |
| Agricultural | $20.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $125.37M | $101.77M | $715.00K | $10.53M |
| Jun 2023 | $122.69M | $99.82M | $1.10M | $11.49M |
| Jun 2024 | $141.47M | $117.61M | $1.33M | $12.61M |
| Jun 2025 | $135.48M | $103.91M | $1.36M | $13.04M |
| Jun 2026 | $141.51M | $104.52M | $1.37M | $13.16M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Maryland | $104.52M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $104.52M.
Similar-sized banks
First State Bank ($141.71M) · Deutsche Bank Trust Company Delaware ($141.40M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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