Total Assets
$1.7B
Total balance-sheet footings
FDIC Cert #6862 · Kilmarnock, Virginia · Est. 1900
Chesapeake Bank - FDIC Bank Health Profile
A community-scale look at Chesapeake Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $1.7B
- Total assets
- B
- Health grade · Good
- 0.80%
- Return on assets
- 14.0%
- Tier 1 capital
Data updated July 2026
The verdict
Chesapeake Bank earns a PlainBankData health grade of B (73/100), with well-capitalized at 13.96% Tier 1, 0.80% ROA, 73% efficiency ratio.
- #677
- largest of 4,313 FDIC banks by assets
- 84th
- percentile by asset size, nationally
- 13.96%
- Tier 1 ratio - above the 10% well-capitalized line
- 29th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Chesapeake Bank's 73/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Chesapeake Bank's composite health score
Tier 1 Capital Ratio (13.96%) 35/40
Return on Assets (ROA) (0.80%) 14/25
Texas Ratio (1.84%) 20/20
Efficiency Ratio (73.07%) 4/15
73 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$1.5B
Customer-funded liabilities
Net Loans
$989M
Outstanding loan book
Net Income
$13M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Chesapeake Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Chesapeake Bank's score of 73/100 falls in the highlighted band.
Chesapeake Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Chesapeake Bank's $1.7B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
13.96% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
13.96%
Texas Ratio
1.84%
Equity Capital
$172M
Profitability metrics
Return on Assets (ROA)
29th percentile nationally
0.80%
Return on Equity (ROE)
8.30%
Efficiency Ratio
73.07%
What the numbers say about Chesapeake Bank
Chesapeake Bank is an FDIC-insured institution (Certificate #6862) headquartered in Kilmarnock, Virginia, established in 1900. It holds $1.7B in total assets - 677th of 4,313 FDIC-insured banks, $1.5B in customer deposits, and $989M in net loans. Capital-wise, the Tier 1 ratio sits at 13.96%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 1.84%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of B (73 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Chesapeake Bank sits 20th of 56 banks headquartered in Virginia by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$90M
Interest Income
$34M
Non-Interest Income
$71M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Chesapeake Bank reports a Texas Ratio of 1.84% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
1.84% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Virginia by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Chesapeake Bank (FDIC Cert #6862) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Virginia
All Virginia banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Capital One, National AssociationMclean | $658.5B | B | 0.55% |
| HSBC Bank USA, National AssociationTysons | $165.3B | A | 0.92% |
| Atlantic Union BankRichmond City | $37.5B | A | 0.99% |
| United BankFairfax | $33.5B | A | 1.50% |
| TowneBankPortsmouth | $19.7B | B | 0.90% |
| Burke & Herbert Bank & Trust CompanyAlexandria | $7.9B | A | 1.69% |
| Carter Bank & TrustMartinsville | $4.8B | D | 0.72% |
| The First Bank and Trust CompanyLebanon | $4.2B | A | 1.62% |
Frequently asked questions
What is Chesapeake Bank's health grade?▼
Chesapeake Bank receives a health grade of B (73/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Chesapeake Bank?▼
Chesapeake Bank holds $1.7B in total assets and $1.5B in deposits, ranking 677th of 4,313 FDIC-insured banks by asset size. It is headquartered in Kilmarnock, Virginia.
Is my money safe at Chesapeake Bank?▼
Yes, deposits at Chesapeake Bank (Certificate #6862) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Chesapeake Bank's Tier 1 Capital Ratio?▼
Chesapeake Bank has a Tier 1 Capital Ratio of 13.96%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Chesapeake Bank?▼
Chesapeake Bank has a Texas Ratio of 1.84%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Chesapeake Bank?▼
Chesapeake Bank has an Efficiency Ratio of 73.07%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Chesapeake Bank's profile as a depositor or analyst.
- Chesapeake Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Chesapeake Bank against other Virginia banks before moving funds. Virginia banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.