CHESTERTOWN, MD · Supervised by FDIC
Contact & Details
FDIC BankFindWebsite
Address
County
Established
Total Assets
Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.
Overall Rating
Meets federal requirements for community lending
Exam Date
Exam Type
Regulator
Total Assets
$134M
Total Deposits
$105M
Net Loans
$104M
Net Income
$640K
ROA
1.90%
Above avg for Small banks. Peer avg: 0.44%
ROE
19.51%
Risk-Based Capital
15.46%
Below avg for Small banks. Regulatory min: 8%
Total Assets — Last 8 Quarters
Compared to the peer-bank Small peer group (same asset tier).
Unlock peer list → See which specific banks are in this peer group.
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 293 | 61.77% | 20.14% |
| 2023 | 271 | 68.63% | 17.34% |
| 2022 | 412 | 70.15% | 11.17% |
| 2021 | 608 | 72.86% | 11.35% |
| 2020 | 781 | 81.05% | 7.55% |
| 2019 | 370 | 71.08% |
| Exam Date | Rating | Exam Type |
|---|---|---|
| Nov 2022 | Satisfactory | Small Bank |
| Oct 2016 | Satisfactory | Small Bank |
| Jun 2010 | Satisfactory | Small Bank |
5 previous ratings locked — back to 1992
Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.
One-time payment · No subscription required
Exam dates and details are paywalled
Total Branches
3
Branch Deposits
$104M
1-Year Change
0
Copy this snippet to embed a live rating badge on your website:
<iframe src="https://bankscorer.com/widget/bank/the-chesapeake-bank-and-trust-co" width="320" height="80" frameborder="0" scrolling="no" style="border:none" ></iframe>
Updates automatically when the rating changes.
Preview:
| 8.65% |
| 2018 | 320 | 70.63% | 15.63% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red