BlastPoint's Banking Scorecard

Chesapeake Bank

Community Specialty: Commercial VA FDIC cert 6862

Kilmarnock, VA

1484 banks in Community tier nationally 32 in VA

View Community leaderboard (VA) →

Chesapeake Bank has 1 strength but faces 1 concern

Key Strengths

Areas where this bank excels compared to peers

+ Revenue Diversifier: Top 25% in Community

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 50% in Community

Get updates when Chesapeake Bank releases new data →

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Total Assets ?	$1.7B +9.5% YoY +2.0% QoQ	+$272.6M	$1.4B +2.0% YoY	$17.5B +24.6% YoY	$5.9B +6.5% YoY	74%
Total Loans ?	$989.1M +10.2% YoY +3.9% QoQ	+$13.7M	$975.5M +2.4% YoY	$10.7B +28.4% YoY	$3.1B +8.5% YoY	67%
Total Deposits ?	$1.5B +6.7% YoY +2.3% QoQ	+$302.4M	$1.2B +1.7% YoY	$13.8B +21.4% YoY	$4.7B +6.3% YoY	76%
Return on Assets ?	0.80% -5.0% YoY +67.7% QoQ	-0.37%	1.16% +17.2% YoY	0.94% +24.9% YoY	1.12% +15.6% YoY	24%
Net Interest Margin ?	4.21% +11.1% YoY +2.4% QoQ	+0.54%	3.66% +9.1% YoY	3.66% +9.0% YoY	3.75% +7.1% YoY	78%
Efficiency Ratio ?	73.07% -8.3% YoY -3.1% QoQ	+10.44%	62.63% -5.3% YoY	66.70% -6.7% YoY	65.09% -5.1% YoY	21%
Delinquency Rate ?	0.34% +37.2% YoY -28.8% QoQ	-0.29%	0.63% +18.3% YoY	0.75% +37.7% YoY	0.66% +20.3% YoY	57%
Loan-to-Deposit Ratio ?	67.43% +3.3% YoY +1.6% QoQ	-15.64%	83.06% +0.3% YoY	79.98% +0.8% YoY	78.04% +0.7% YoY	16%
Non-Interest-Bearing Deposit Share ?	22.97% -0.8% YoY -1.8% QoQ	+1.93%	21.05% -0.9% YoY	24.23% +0.2% YoY	21.79% -1.3% YoY	63%
Nonperforming Asset Ratio ?	0.20% +6.6% YoY -27.5% QoQ	-0.30%	0.50% +20.3% YoY	0.53% +39.4% YoY	0.48% +20.8% YoY	65%
Tier 1 Capital Ratio ?	13.96% +9.2% YoY +1.0% QoQ	+3.71%	10.24% -0.6% YoY	11.48% +7.9% YoY	9.75% -1.9% YoY	68%
Non-Interest Income / Assets ?	2.04% +12.5% YoY +32.6% QoQ	+1.30%	0.74% -1.3% YoY	0.64% -0.2% YoY	0.65% +0.6% YoY	Top 4% in tier

Signature Analysis

Strengths (1)

Revenue Diversifier

growth

#92 of 371 · Top 25% in Community

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 2.04%

(Tier: 0.74%, National: 0.65%)

better than tier avg

Return on Assets: 0.80%

(Tier: 1.16%, National: 1.12%)

but worse than tier avg

371 of 371 Community banks match · 441 nationally

→ Stable +4 banks QoQ | QoQ rank improving

Concerns (1)

Credit Risk Growth

risk

#319 of 642 · Bottom 50% in Community

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

642 of 642 Community banks match · 759 nationally

→ Stable +24 banks QoQ

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%

Compare against:

Comparing against 1484 peers in Community tier

Top Strengths

Non-Interest Income / Assets

Current: 2.04% · Tier avg: 0.74%

96th pctile

Net Interest Margin

Current: 4.21% · Tier avg: 3.66%

78th pctile

Total Deposits

Current: $1.5B · Tier avg: $1.2B

76th pctile

Total Assets

Current: $1.7B · Tier avg: $1.4B

74th pctile

Tier 1 Capital Ratio

Current: 13.96% · Tier avg: 10.24%

68th pctile

Total Loans

Current: $989.1M · Tier avg: $975.5M

67th pctile

Nonperforming Asset Ratio

Current: 0.20% · Tier avg: 0.50%

65th pctile

Non-Interest-Bearing Deposit Share

Current: 22.97% · Tier avg: 21.05%

63th pctile

Delinquency Rate

Current: 0.34% · Tier avg: 0.63%

57th pctile

Return on Assets

Current: 0.80% · Tier avg: 1.16%

24th pctile

Efficiency Ratio

Current: 73.07% · Tier avg: 62.63%

21th pctile

Loan-to-Deposit Ratio

Current: 67.43% · Tier avg: 83.06%

16th pctile

Top Weaknesses