The Chesapeake Bank & Trust Co.: how it compares with its peers
Against 999 U.S. banks with half to twice its assets, The Chesapeake Bank & Trust Co.'s strongest measure in Q2 2026 is return on assets (1.99% vs. a 1.19% peer median). Its weakest relative measure is assets per employee ($7.9M vs. $6.5M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.99% | 1.19% | Top third Ahead of 87% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.72% | 3.93% | Top third Ahead of 84% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 55.75% | 64.40% | Top third Ahead of 75% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.9M | $6.5M | Top third Ahead of 71% of peers |
| Loans to deposits Net loans and leases over total deposits. | 102.19% | 75.85% | Context |
What it means for lending operations
Its efficiency ratio of 55.75% is better than the 64.40% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Deutsche Bank Trust Company Delaware Newark, DE · $141M
- Citizens State Bank Norwood Young America Norwood Young America, MN · $141M
- Bank of Dixon County Ponca, NE · $142M
- Methuen Co-operative Bank Methuen, MA · $141M
- Hershey Bank Hershey, NE · $141M
- Bridge Community Bank Mount Vernon, IA · $141M
Questions about The Chesapeake Bank & Trust Co.
How big is The Chesapeake Bank & Trust Co.?
The Chesapeake Bank & Trust Co., established in 1986, is headquartered in Chestertown, MD. It reported $142M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is The Chesapeake Bank & Trust Co.'s return on assets?
1.99% annualized in Q2 2026, against a 1.19% median for 999 U.S. banks with half to twice its assets, ahead of 87% of them.
What is The Chesapeake Bank & Trust Co.'s efficiency ratio?
55.75% in Q2 2026: it spent about 56 cents in noninterest expense for each dollar of revenue. The peer median is 64.40%, and lower is better.
Is The Chesapeake Bank & Trust Co. growing its loans?
Net loans grew 1.8% over the year to Q2 2026, while deposits grew 0.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Maryland bank ranked.