The Chesapeake Bank & Trust Co.
Chestertown, MD
IDRSSD: 304520
Total Assets
$135.42M
Latest filing
Total Deposits
$109.67M
Latest filing
Net Interest Margin
4.67%
Profitability
Key People
Loading leadership data...
Locations
Main office and branches. Select to view on the map.
Main Office
The Chesapeake Bank & Trust Co.
245 High St
Chestertown, MD 21620
Full Service - Brick and Mortar
Updated 01/30/2026Established 12/15/1986FDIC Certificate 36091
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| The Chesapeake Bank & Trust Co. (Main) | 245 High St | Chestertown, MD |
| WASHINGTON AVENUE BRANCH OFFICE | 611 Washington Ave | Chestertown, MD |
| HERON POINT BRANCH | 501 E Campus Ave | Chestertown, MD |
Showing 2 of 2
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
Similar banks
The Peoples Bank
Chestertown, Maryland
→
Assets: $293.24MΔ +112.4%
Jarrettsville Federal Savings and Loan Association
Jarrettsville, Maryland
→
Assets: $162.47MΔ +17.7%
The Glen Burnie Mutual Savings Bank
Glen Burnie, Maryland
→
Assets: $105.11MΔ -23.9%
Homewood Federal Savings Bank
Baltimore, Maryland
→
Assets: $66.78MΔ -51.6%
Cecil Bank
Elkton, Maryland
→
Assets: $220.03MΔ +59.4%
The Bank of Glen Burnie
Glen Burnie, Maryland
→
Assets: $351.68MΔ +154.7%
Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 12/15/1986 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 21620 |
| State and County Number | 24029 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 05 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 19 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 12/15/1986 |
| Primary Insurance Agency | DIF |
| Website | www.chesapeaketrust.com |
| Data Updated | 01/30/2026 |
| CERT | 26847 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $135.42M |
| Total Deposits | $109.67M |
| Total Liabilities | $122.29M |
| Total Equity Capital | $13.14M |
| Net Income | $674.00k |
| Net Loans and Leases | $103.96M |
| Assets Per Employee ($Millions) | $7.52M |
| Bank Premises and Fixed Assets | $973.00k |
| Cash and Balances due from Depository Institutions | $5.60M |
| Deposits Held in Domestic Offices | $109.67M |
Key Performance Ratios
| Return on Assets (ROA) | 1.97% |
| Return on Equity (ROE) | 20.49% |
| Net Interest Margin | 4.67% |
| Efficiency Ratio | 54.93% |
| Tier 1 Risk-Based Capital Ratio | 14.107% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.07% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.7% |
| Earning Assets to total Assets | 91.87% |
Income and Expense
| Total Interest Income | $1.89M |
| Total Noninterest Income | $83.00k |
| Total Interest Expense | $426.00k |
| Total Noninterest Expense | $852.00k |
| Net Interest Income | $1.47M |
| Pre-tax Net Operating Income | $674.00k |
| Provision for Credit Losses | $25.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $5.17M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $4.80M |
| All Other Liabilities | $2.64M |
| Total Liabilities and Capital | $135.42M |
Securities
| Securities | $19.95M |
| Available-for-sale debt securities | $19.95M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The Chesapeake Bank & Trust Co.?
$135.42M as of the latest filing.
How much are The Chesapeake Bank & Trust Co.'s total deposits?
$109.67M in total deposits.
Where is The Chesapeake Bank & Trust Co. located?
Chestertown, MD.
What is the Net Interest Margin?
4.67%.
How many domestic offices does it operate?
3.
When was it established?
12/15/1986.
What is the Return on Assets (ROA)?
1.97%.
How much are total loans and leases?
$103.96M (latest filing).
What is the total interest income (latest filing)?
$1.89M.