Chesapeake Bank (FDIC #6862): Bank Stress & Real-Estate Credit Exposure

Chesapeake Bank (FDIC Cert #6862): bank stress 53/100, moderate, STABLE over 7 days; parent CHESAPEAKE FINL SHARES INC.

Chesapeake Bank (#6862) lends in 8 counties across 1 state; Chesapeake Bank (#6862) reaches 69 ZIP codes: Virginia 8 counties, 69 ZIPs.

Chesapeake Bank (#6862) largest markets: Henrico County, VA (51 branches, 17 ZIPs) (#6862), Richmond County, VA (17 branches, 17 ZIPs) (#6862), Chesterfield County, VA (16 branches, 16 ZIPs) (#6862), Mathews County, VA (15 branches, 15 ZIPs) (#6862), Lancaster County, VA (36 branches, 6 ZIPs) (#6862), Gloucester County, VA (12 branches, 6 ZIPs) (#6862).

Chesapeake Bank (#6862) reports $1.72 billion in total assets; Chesapeake Bank (#6862) equity $184.6 million (10.7% of Chesapeake Bank (#6862) assets); Chesapeake Bank (#6862) domestic deposits $1.49 billion; Chesapeake Bank (#6862) net income $15.2 million; Chesapeake Bank (#6862) return on assets 1.78%; Chesapeake Bank (#6862) return on equity 17.03%; Chesapeake Bank (#6862) net interest income $35.3 million; Chesapeake Bank (#6862) call report June 30, 2026.

Chesapeake Bank (#6862) noncurrent real-estate loans 0.05% of its book; Chesapeake Bank (#6862) residential 0.11%; Chesapeake Bank (#6862) net charge-offs on real estate 0.29%; Chesapeake Bank (#6862) residential charge-offs 0.38%.

Chesapeake Bank (#6862) net interest margin 4.47% against an eight-quarter Chesapeake Bank (#6862) average of 4.07% (Chesapeake Bank (#6862) compression -0.40 points); Chesapeake Bank (#6862) real-estate loans 5.4% of equity; Chesapeake Bank (#6862) non-residential real estate 38.5% of equity; Chesapeake Bank (#6862) rate-exposure score 40/100, Chesapeake Bank (#6862) fixed-rate trap 40/100; Chesapeake Bank (#6862) risk type credit driven; Chesapeake Bank (#6862) rate regime rates elevated, Chesapeake Bank (#6862) snapshot October 19, 2026.

Chesapeake Bank (#6862) stress score moved from 58.4 on June 22, 2026 to 52.5 on October 19, 2026; Chesapeake Bank (#6862) ranged 52.5 to 58.4 over 116 snapshots.

Chesapeake Bank (#6862) alerts: 6 counties; top Chesapeake Bank (#6862) alert scores: Mathews County, VA 47 (moderate); Lancaster County, VA 43 (moderate); Williamsburg County, VA 39 (moderate); Chesterfield County, VA 34 (low); Richmond County, VA 34 (low).