The Chesapeake Bank & Trust Co.

The Chesapeake Bank & Trust Co. is headquartered in Chestertown and is the 71^st largest bank in the state of Maryland. It is also the 5,262^nd largest bank in the nation. It was established in 1986 and as of March of 2012, it had grown to 20 employees at 2 locations. The Chesapeake Bank & Trust Co. has a 3-star health rating.

Data for Q1 2012

Institution Statistics The Chesapeake Bank & Trust Co. FDIC Certificate # 26847 BankRate Report View Year Established 1986 Employees 20 Primary Regulator FDIC Assets and Liabilities Assets $88.61 million Loans $58.77 million Deposits $62.14 million Equity Capital $9.74 million Loan Loss Allowance $1.15 million Unbacked Noncurrent Loans $1.16 million Real Estate Owned $1.62 million Historic Data - March 2011 Assets $97.45 million Equity Capital $10.09 million Loan Loss Allowance $1.21 million Unbacked Noncurrent Loans $793,000 Real Estate Owned $2.44 million Profit Margin - Quarterly Net Interest Margin 4.26% Return on Assets 1.56% Return on Equity 14.43% Interest Income $945,000

Institution Health Overall Score: 3 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 The Chesapeake Bank & Trust Co. had $2.78 million in non-current loans and owned real-estate with $10.88 million in equity and loan loss allowances on hand to cover it. This gives The Chesapeake Bank & Trust Co. a Texas Ratio of 25.52% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for The Chesapeake Bank & Trust Co. held steady from 28.59% as of March 31, 2011 to 25.52% as of March 31, 2012, resulting in a positive change of 10.71%.This indicates that the balance sheet and financial strength for The Chesapeake Bank & Trust Co. has held steady in recent periods. Deposit Growth In the past year, The Chesapeake Bank & Trust Co. has decreased its total deposits by -$8.68 million, resulting in -12.26% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth The Chesapeake Bank & Trust Co. has shown is poor. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. The Chesapeake Bank & Trust Co. has $88.61 million in assets with $10.88 million in equity, resulting in a capitalization level of 12.28%, which is excellent.

No reviews have been left for this bank yet. Be the first to review.