The Chesapeake Bank & Trust Co.
Chestertown, MD
IDRSSD: 304520
Total Assets
$138.06M
Latest filing
Total Deposits
$101.61M
Latest filing
Net Interest Margin
4.69%
Profitability
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 11/14/2025Established 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
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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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 | 18 |
| 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 | 11/14/2025 |
| CERT | 26847 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $138.06M |
| Total Deposits | $101.61M |
| Total Liabilities | $124.89M |
| Total Equity Capital | $13.18M |
| Net Income | $657.00k |
| Net Loans and Leases | $106.82M |
| Assets Per Employee ($Millions) | $7.27M |
| Bank Premises and Fixed Assets | $964.00k |
| Cash and Balances due from Depository Institutions | $5.08M |
| Deposits Held in Domestic Offices | $101.61M |
Key Performance Ratios
| Return on Assets (ROA) | 1.92% |
| Return on Equity (ROE) | 20.05% |
| Net Interest Margin | 4.69% |
| Efficiency Ratio | 56.67% |
| Tier 1 Risk-Based Capital Ratio | 13.91% |
| 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 | 9.546% |
| Earning Assets to total Assets | 92.14% |
Income and Expense
| Total Interest Income | $1.89M |
| Total Noninterest Income | $87.00k |
| Total Interest Expense | $406.00k |
| Total Noninterest Expense | $892.00k |
| Net Interest Income | $1.49M |
| Pre-tax Net Operating Income | $657.00k |
| Provision for Credit Losses | $25.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $8.37M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $12.29M |
| All Other Liabilities | $2.62M |
| Total Liabilities and Capital | $138.06M |
Securities
| Securities | $19.90M |
| Available-for-sale debt securities | $19.90M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| 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.?
$138.06M as of the latest filing.
How much are The Chesapeake Bank & Trust Co.'s total deposits?
$101.61M in total deposits.
Where is The Chesapeake Bank & Trust Co. located?
Chestertown, MD.
What is the Net Interest Margin?
4.69%.
How many domestic offices does it operate?
3.
When was it established?
12/15/1986.
What is the Return on Assets (ROA)?
1.92%.
How much are total loans and leases?
$106.82M (latest filing).
What is the total interest income (latest filing)?
$1.89M.