The Chesapeake Bank & Trust Co. (FDIC certificate #26847) is based in Chestertown, Maryland. Its Q2 2026 call report shows $141.5M in total assets and $104.5M in deposits and 3 offices.
The Chesapeake Bank & Trust Co. has a TellerScore of 75 out of 100 (strong) based on Q2 2026 data — higher than 61% of its 2,650 banks with $100 million – $1 billion. Among 27 banks headquartered in Maryland, it ranks 11th. Earnings contributes the most (100/100, 1.99%); capital cushion contributes the least (48/100, 9.76%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (76 → 75).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 75 |
| Q3 2024 | 74 |
| Q4 2024 | 75 |
| Q1 2025 | 77 |
| Q2 2025 | 76 |
| Q3 2025 | 75 |
| Q4 2025 | 76 |
| Q1 2026 | 76 |
| Q2 2026 | 75 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.85% |
| Q3 2024 | 9.67% |
| Q4 2024 | 9.82% |
| Q1 2025 | 10.00% |
| Q2 2025 | 9.79% |
| Q3 2025 | 9.81% |
| Q4 2025 | 9.73% |
| Q1 2026 | 9.90% |
| Q2 2026 | 9.76% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.28% |
| Q3 2024 | 0.27% |
| Q4 2024 | 0.11% |
| Q1 2025 | 0.05% |
| Q2 2025 | 0.04% |
| Q3 2025 | 0.06% |
| Q4 2025 | 0.06% |
| Q1 2026 | 0.13% |
| Q2 2026 | 0.22% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 2.06% |
| Q3 2024 | 1.95% |
| Q4 2024 | 1.95% |
| Q1 2025 | 2.09% |
| Q2 2025 | 2.07% |
| Q3 2025 | 2.02% |
| Q4 2025 | 2.01% |
| Q1 2026 | 1.90% |
| Q2 2026 | 1.99% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 75 | $141.5M | 9.76% | 0.22% | 1.99% | 102.2% |
| Q1 2026 | 76 | $134.0M | 9.90% | 0.13% | 1.90% | 99.3% |
| Q4 2025 | 76 | $135.4M | 9.73% | 0.06% | 2.01% | 94.8% |
| Q3 2025 | 75 | $138.1M | 9.81% | 0.06% | 2.02% | 105.1% |
| Q2 2025 | 76 | $135.5M | 9.79% | 0.04% | 2.07% | 101.0% |
| Q1 2025 | 77 | $128.9M | 10.00% | 0.05% | 2.09% | 95.1% |
| Q4 2024 | 75 | $131.1M | 9.82% | 0.11% | 1.95% | 96.3% |
| Q3 2024 | 74 | $125.7M | 9.67% | 0.27% | 1.95% | 94.8% |
| Q2 2024 | 75 | $141.5M | 9.85% | 0.28% | 2.06% | 80.1% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Maryland
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Jarrettsville Federal Savings and Loan AssociationBank Jarrettsville, MD | 71 out of 100, Strong | $167.1M | 12.2% | 0.36% | vs |
| The Glen Burnie Mutual Savings BankBank Glen Burnie, MD | 56 out of 100, Moderate | $103.9M | 8.8% | 0.69% | vs |
| Eastern Savings Bank, FSBBank Hunt Valley, MD | 63 out of 100, Moderate | $336.4M | 31.0% | 6.73% | vs |
| First Shore Federal Savings and Loan AssociationBank Salisbury, MD | 78 out of 100, Strong | $366.5M | 17.4% | 0.82% | vs |
| The Harbor Bank of MarylandBank Baltimore, MD | 56 out of 100, Moderate | $383.2M | 12.4% | 1.89% | vs |
| The Bank of Glen BurnieBank Glen Burnie, MD | 60 out of 100, Moderate | $394.9M | 8.8% | 0.25% | vs |
Deposit insurance
Is my money safe at The Chesapeake Bank & Trust Co.?
Yes. The Chesapeake Bank & Trust Co. is an FDIC-insured institution (FDIC certificate #26847). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 23.5% of deposits ($24.6M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.76%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.07% (benchmark: 10%).
3 locations
Branches
The Chesapeake Bank & Trust Co. lists 3 offices in 1 city. Most locations:
- Chestertown, MD (3)
Identity & history
Profile
- Legal name
- The Chesapeake Bank & Trust Co.
- Type
- State-chartered bank
- FDIC certificate #
- 26847
- RSSD ID
- 304520
- Primary regulator
- FDIC
- Holding company
- Chesapeake Bcorp Employee Stk Ownership Plan With 401 K Provisions
- Established
- December 15, 1986
- Headquarters
- 245 High St, Chestertown, MD 21620
- Website
- www.chesapeaketrust.com
- Employees
- 18
Quick answers
The Chesapeake Bank & Trust Co.: common questions
Is The Chesapeake Bank & Trust Co. FDIC insured?
Yes. The Chesapeake Bank & Trust Co. is an FDIC-insured institution (FDIC certificate #26847). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Chesapeake Bank & Trust Co.'s TellerScore?
75 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The Chesapeake Bank & Trust Co. ever failed?
There is no failure record for FDIC certificate #26847 in the FDIC failed bank list.
How many branches does The Chesapeake Bank & Trust Co. have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Chestertown
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Lm Federal Credit UnionCredit union Baltimore, MD | 83 out of 100, Strong | $60.3M | 12.4% | 0.14% | vs |
| BayVanguard BankBank Baltimore, MD | 80 out of 100, Strong | $868.7M | 17.1% | 0.48% | vs |
| Rosedale BankBank Nottingham, MD | 78 out of 100, Strong | $1.4B | 18.6% | 0.52% | vs |
| The Queenstown Bank of MarylandBank Queenstown, MD | 77 out of 100, Strong | $729.5M | 11.6% | 0.12% | vs |
| Wilmington Savings Fund Society, FSBBank Wilmington, DE | 71 out of 100, Strong | $22.6B | 10.4% | 0.57% | vs |
| Orrstown BankBank Harrisburg, PA | 70 out of 100, Strong | $5.6B | 10.0% | 0.60% | vs |