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Chesapeake Bank
Kilmarnock, VA · FDIC Certificate #6862 · Chartered 01/0
Total assets
$1.72B
Total deposits
$1.49B
Total equity
$184.61M
Net loans
$1.10B
Branches (offices)
19
Net income (YTD)
$15.15M
Rank: #662 of 4,213 U.S. banks by assets · #21 of 56 in Virginia. Assets changed 5.9% and deposits 2.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.78% |
| Return on equity | 17.03% |
| Net interest margin (YTD) | 4.47% |
| Equity to assets | 10.70% |
| Tier 1 leverage ratio | 11.18% |
| Uninsured deposits (share of deposits) | 23.2% |
| Noncurrent loans (share of loans) | 0.24% |
| Net charge-offs (share of loans) | 0.07% |
| Loans to deposits | 74.2% |
| Real estate loans (share of loans) | 77.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $858.59M | 77.8% | |
| Commercial & industrial | $234.30M | 21.2% | |
| Consumer / individual | $14.62M | 1.3% | |
| Construction & development | $91.14M | 8.3% | |
| Agricultural | $285.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.34B | $1.19B | $8.69M | $104.16M |
| Jun 2023 | $1.35B | $1.19B | $5.75M | $106.95M |
| Jun 2024 | $1.53B | $1.37B | $6.48M | $124.03M |
| Jun 2025 | $1.63B | $1.46B | $38.00K | $154.34M |
| Jun 2026 | $1.72B | $1.49B | $15.15M | $184.61M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Virginia | $1.49B | 19 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.49B.
Similar-sized banks
Availa Bank ($1.73B) · Lincoln Savings Bank ($1.71B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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