Chesapeake Bank
Kilmarnock, VA
IDRSSD: 214722
Total Assets
$1.63B
Latest filing
Total Deposits
$1.43B
Latest filing
Net Interest Margin
4.32%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Chesapeake Bank
97 N Main St
Kilmarnock, VA 22482
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1900FDIC Certificate 4612
Branches (18)
Page 1 of 3| Name | Address | City / State |
|---|---|---|
| Chesapeake Bank (Main) | 97 N Main St | Kilmarnock, VA |
| IRVINGTON BRANCH | 98 King Carter Dr | Irvington, VA |
| LIVELY BRANCH | 2824 White Chapel Rd | Lancaster, VA |
| MATHEWS BRANCH | 10458 Buckley Hall Rd | Mathews, VA |
| WESTMINSTER-CANTERBURY BRANCH | 10 Lancaster Rd | Irvington, VA |
| HAYES BRANCH | 3029 George Washington Memorial Hwy | Hayes, VA |
| GLOUCESTER BRANCH | 6793 George Washington Memorial Hwy | Gloucester, VA |
| FIVE FORKS BRANCH | 4492 John Tyler Hwy | Williamsburg, VA |
Showing 7 of 18
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 member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 01/01/1900 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 22482 |
| State and County Number | 51103 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 05 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 276 |
| Domestic Offices | 19 |
| 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 | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.ches.bank |
| Data Updated | 11/14/2025 |
| CERT | 6862 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.63B |
| Total Deposits | $1.43B |
| Total Liabilities | $1.47B |
| Total Equity Capital | $163.56M |
| Net Income | $5.64M |
| Net Loans and Leases | $952.11M |
| Assets Per Employee ($Millions) | $5.91M |
| Bank Premises and Fixed Assets | $19.25M |
| Cash and Balances due from Depository Institutions | $31.59M |
| Deposits Held in Domestic Offices | $1.43B |
Key Performance Ratios
| Return on Assets (ROA) | 1.38% |
| Return on Equity (ROE) | 14.2% |
| Net Interest Margin | 4.32% |
| Efficiency Ratio | 72.22% |
| Tier 1 Risk-Based Capital Ratio | 13.822% |
| 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 | 10.025% |
| Earning Assets to total Assets | 92.25% |
Income and Expense
| Total Interest Income | $23.21M |
| Total Noninterest Income | $9.98M |
| Total Interest Expense | $7.01M |
| Total Noninterest Expense | $18.97M |
| Net Interest Income | $16.20M |
| Pre-tax Net Operating Income | $6.92M |
| Provision for Credit Losses | $293.00k |
| 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 | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $19.05M |
| All Other Liabilities | $14.90M |
| Total Liabilities and Capital | $1.63B |
Securities
| Securities | $551.25M |
| Available-for-sale debt securities | $551.25M |
| 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 Chesapeake Bank?
$1.63B as of the latest filing.
How much are Chesapeake Bank's total deposits?
$1.43B in total deposits.
Where is Chesapeake Bank located?
Kilmarnock, VA.
What is the Net Interest Margin?
4.32%.
How many domestic offices does it operate?
19.
When was it established?
01/01/1900.
What is the Return on Assets (ROA)?
1.38%.
How much are total loans and leases?
$952.11M (latest filing).
What is the total interest income (latest filing)?
$23.21M.