Chesapeake Bank & Trust Company
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10). Excellent current capitalization (8.2 on a scale of 0 to 10) based on a risk-based capital ratio of 15.2 and a capital leverage ratio of 9.8.
Other Rating Factors:
Operating profits as a percentage of assets at 2.1%, coupled with a return on assets of 2.1 has resulted in Excellent (8.5) profitability. A current level of 1.1 percent of nonperforming loans to core capital combined with 2.8 percent from a year earlier contributes to the Excellent asset quality (8.4).
Asset Mix:
Home mtgs (39%), comm re (15%), securities (15%), comm loans (4%), consumer loans (4%), cash (3%), home eq lns (3%), other (18%)
States with Branches:
MD
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Chesapeake Bancorp
Investment Rating
--
Address
245 High Street
Chestertown, MD 21620
Chestertown, MD 21620
Phone Number
(410) 778-1600
Year Founded
1986
FDIC Number
Website
Largest Affiliates
No affiliate information available.