Bank · FDIC insured
Chesapeake Bank & Trust
A $141.5M bank headquartered in Chestertown, MD, with 3 branches in Maryland. Best rates: CDs 3.55% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: no rate at the amounts we compare. Savings: rates are not published online. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- CDs—3.55%CD rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Chesapeake Bank & Trust
Traced to The Second National Bank of Chestertown established in 1890, Chesapeake Bank and Trust Company was formed in December 1986 and is based in Chestertown, Maryland.
The locally owned community bank operates three branches and is held by bank holding company Chesapeake Bancorp.
- Headquarters
- 245 High St, Chestertown, MD 21620
- FDIC certificate
- 26847 ↗
Branches
3 branches in Maryland
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Maryland
3 branches
- The Chesapeake Bank & Trust Co.Main office245 High St, Chestertown, MD 21620Directions
- Heron Point Branch501 E Campus Ave, Chestertown, MD 21620Directions
- Washington Avenue Branch Office611 Washington Ave, Chestertown, MD 21620Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.76% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.22% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.99% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $104 | $81 | — |
- CapitalLeverage ratio9.76%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.22%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.99%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$104Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Chesapeake Bank & Trust are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.