BlastPoint's Banking Scorecard
The Chesapeake Bank & Trust Co.
Micro
Specialty: Other
MD
FDIC cert 26847
Designations: ✓ Community bank
Chestertown, MD
2498
banks in Micro tier nationally
10 in MD
View Micro leaderboard (MD) →
The Chesapeake Bank & Trust Co. demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 0.93% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$135.4M
+3.3% YoY
-1.9% QoQ
|
-$82.1M |
$217.5M
+2.3% YoY
|
$1.8B
+5.9% YoY
|
$5.9B
+6.5% YoY
|
33% |
| Total Loans ? |
$104.0M
+4.0% YoY
-2.7% QoQ
|
-$35.2M |
$139.2M
+2.8% YoY
|
$1.3B
+9.1% YoY
|
$3.1B
+8.5% YoY
|
44% |
| Total Deposits ? |
$109.7M
+5.6% YoY
+7.9% QoQ
|
-$74.0M |
$183.7M
+1.8% YoY
|
$1.6B
+8.9% YoY
|
$4.7B
+6.3% YoY
|
32% |
| Return on Assets ? |
2.01%
+3.1% YoY
-0.3% QoQ
|
+0.93% |
1.08%
+14.7% YoY
|
0.92%
+11.6% YoY
|
1.12%
+15.6% YoY
|
Top 9% in tier |
| Net Interest Margin ? |
4.72%
-1.9% YoY
+0.1% QoQ
|
+0.86% |
3.85%
+6.6% YoY
|
3.64%
+2.9% YoY
|
3.75%
+7.1% YoY
|
85% |
| Efficiency Ratio ? |
54.60%
-6.2% YoY
+0.2% QoQ
|
-13.13% |
67.73%
-4.8% YoY
|
68.23%
-2.6% YoY
|
65.09%
-5.1% YoY
|
82% |
| Delinquency Rate ? |
0.06%
-44.9% YoY
-6.2% QoQ
|
-0.58% |
0.64%
+24.4% YoY
|
0.71%
+11.8% YoY
|
0.66%
+20.3% YoY
|
74% |
| Loan-to-Deposit Ratio ? |
94.79%
-1.5% YoY
-9.8% QoQ
|
+20.26% |
74.53%
+0.5% YoY
|
87.22%
+2.3% YoY
|
78.04%
+0.7% YoY
|
Bottom 15% in tier |
| Non-Interest-Bearing Deposit Share ? |
34.65%
-3.6% YoY
+14.3% QoQ
|
+12.26% |
22.39%
-1.3% YoY
|
20.12%
-3.1% YoY
|
21.79%
-1.3% YoY
|
Top 13% in tier |
| Nonperforming Asset Ratio ? |
0.05%
-44.5% YoY
-6.9% QoQ
|
-0.41% |
0.45%
+25.1% YoY
|
0.55%
+8.4% YoY
|
0.48%
+20.8% YoY
|
74% |
| Tier 1 Capital Ratio ? |
14.11%
+1.2% YoY
+1.4% QoQ
|
+5.25% |
8.85%
-3.4% YoY
|
10.97%
-3.7% YoY
|
9.75%
-1.9% YoY
|
69% |
| Non-Interest Income / Assets ? |
0.30%
-19.3% YoY
+27.7% QoQ
|
-0.26% |
0.56%
+0.3% YoY
|
0.52%
+0.9% YoY
|
0.65%
+0.6% YoY
|
41% |
Signature Analysis
Strengths (1)
Return on Assets
metric
Top 9%
in Micro
Why this stands out
Current:
2.01%
(Tier avg: 1.08%, National avg: 1.12%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
91
91th pctile
Return on Assets
Current: 2.01% · Tier avg: 1.08%
87
87th pctile
Non-Interest-Bearing Deposit Share
Current: 34.65% · Tier avg: 22.39%
85
85th pctile
Net Interest Margin
Current: 4.72% · Tier avg: 3.85%
82
82th pctile
Efficiency Ratio
Current: 54.60% · Tier avg: 67.73%
74
74th pctile
Nonperforming Asset Ratio
Current: 0.05% · Tier avg: 0.45%
74
74th pctile
Delinquency Rate
Current: 0.06% · Tier avg: 0.64%
69
69th pctile
Tier 1 Capital Ratio
Current: 14.11% · Tier avg: 8.85%
44
44th pctile
Total Loans
Current: $104.0M · Tier avg: $139.2M
41
41th pctile
Non-Interest Income / Assets
Current: 0.30% · Tier avg: 0.56%
33
33th pctile
Total Assets
Current: $135.4M · Tier avg: $217.5M
32
32th pctile
Total Deposits
Current: $109.7M · Tier avg: $183.7M
15
15th pctile
Loan-to-Deposit Ratio
Current: 94.79% · Tier avg: 74.53%
Top Weaknesses
15
15th pctile
Loan-to-Deposit Ratio
Current: 94.79% · Tier avg: 74.53%
32
32th pctile
Total Deposits
Current: $109.7M · Tier avg: $183.7M
33
33th pctile
Total Assets
Current: $135.4M · Tier avg: $217.5M
41
41th pctile
Non-Interest Income / Assets
Current: 0.30% · Tier avg: 0.56%
44
44th pctile
Total Loans
Current: $104.0M · Tier avg: $139.2M
69
69th pctile
Tier 1 Capital Ratio
Current: 14.11% · Tier avg: 8.85%
74
74th pctile
Delinquency Rate
Current: 0.06% · Tier avg: 0.64%
74
74th pctile
Nonperforming Asset Ratio
Current: 0.05% · Tier avg: 0.45%
82
82th pctile
Efficiency Ratio
Current: 54.60% · Tier avg: 67.73%
85
85th pctile
Net Interest Margin
Current: 4.72% · Tier avg: 3.85%
87
87th pctile
Non-Interest-Bearing Deposit Share
Current: 34.65% · Tier avg: 22.39%
91
91th pctile
Return on Assets
Current: 2.01% · Tier avg: 1.08%