🏦Bank Scorer

THE CHESAPEAKE BANK & TRUST CO.

CHESTERTOWN, MD · Supervised by FDIC

Est. 1986FDIC #26,847RSSD: FDIC-26847
Part ofCHESAPEAKE BCORP EMPLOYEE STK OWNERSHIP PLAN WITH 401 K PROVISIONS→ View all charters
Satisfactory Same

Current rating · Exam: November 2022

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.90%

Institution Profile

FDIC BankFind

Address

245 High St, CHESTERTOWN, MD

County

Kent County

Established

December 15, 1986

Total Assets

$134M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

November 1, 2022

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Nov 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$134M

Total Deposits

$105M

Net Loans

$104M

Net Income

$640K

ROA

1.90%

ROE

19.51%

Risk-Based Capital

15.46%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate20.14%Peer avg: 7.63%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

3

Branch Deposits

$104M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202429361.77%20.14%
202327168.63%17.34%
202241270.15%11.17%
202160872.86%11.35%
202078181.05%7.55%
201937071.08%8.65%
201832070.63%15.63%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

7 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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