| Metric | Chesapeake Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.9% | +5.5% | +0.4 pts |
| Deposit growth (YoY) | +2.1% | +5.1% | -3.0 pts |
| Loan growth (YoY) | +18.6% | +5.9% | +12.7 pts |
| ROA | 1.78% | 1.26% | +0.5 pts |
| ROE | 17.0% | 12.2% | +4.9 pts |
ROA ranks in the 81st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.72B | $1.49B | $1.10B | $184.6M | $15.2M | 1.78% | 4.47% | 0.16% |
| Q1 2026 | $1.72B | $1.46B | $1.06B | $176.9M | $6.3M | 1.49% | 4.40% | 0.21% |
| Q4 2025 | $1.66B | $1.47B | $989.1M | $172.4M | $12.8M | 0.80% | 4.21% | 0.20% |
| Q3 2025 | $1.63B | $1.43B | $952.1M | $163.6M | $5.7M | 0.47% | 4.11% | 0.28% |
| Q2 2025 | $1.63B | $1.46B | $930.2M | $154.3M | $38K | 0.00% | 3.99% | 0.29% |
| Q1 2025 | $1.60B | $1.44B | $926.0M | $151.5M | $-4.0M | -1.02% | 3.85% | 0.27% |
| Q4 2024 | $1.52B | $1.37B | $897.5M | $129.8M | $12.8M | 0.84% | 3.79% | 0.19% |
| Q3 2024 | $1.59B | $1.41B | $900.3M | $131.6M | $9.5M | 0.84% | 3.75% | 0.32% |
Loan mix (Q2 2026): real estate $858.6M · commercial $234.3M · consumer $14.6M · securities $495.3M
| Ratio | Chesapeake Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.78% | 1.26% | 81th | |
Return on equity Annualized net income ÷ equity or net worth | 17.0% | 12.2% | 83th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.47% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.6% | 59.0% | 70th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Chesapeake Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Chesapeake Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Chesapeake Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Chesapeake Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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