Side-by-side · Q2 2026 data
Chesapeake Bank vs Citizens and Farmers Bank
Metric by metric
| Measure | Chesapeake Bank | Citizens and Farmers Bank |
|---|---|---|
| TellerScore | 81 (stronger) | 75 |
| Capital cushion | 62 | 62 |
| Loan quality | 92 | 97 (stronger) |
| Earnings | 91 (stronger) | 71 |
| Funding & liquidity | 77 (stronger) | 54 |
| Problem-loan coverage | 97 | 99 (stronger) |
| Peer percentile | 91st | 77th |
| Total assets | $1.7B | $2.8B |
| Deposits / shares | $1.5B | $2.4B |
| Capital ratio | 11.18% | 11.20% (stronger) |
| Problem loans | 0.24% | 0.09% (stronger) |
| Net charge-offs | 0.07% (stronger) | 0.57% |
| Return on assets | 1.78% (stronger) | 1.27% |
| Loans ÷ deposits | 74.2% (stronger) | 89.0% |
| Uninsured deposits | 23.2% (stronger) | 30.5% |
| Offices | 17 | 32 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 19.4% | 27.4% |
Chesapeake Bank has the higher TellerScore (81 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Chesapeake Bank leads on 5 and Citizens and Farmers Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.