# CHESAPEAKE BANK OF MARYLAND
PARKVILLE, MD · FDIC certificate 28684 · asset band <$300M · latest filing 2022-06 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $241.5M | |
| Deposits | $190.0M | |
| Loans and leases | $150.1M | |
| Total equity | $46.1M | |
| Loans / deposits | 78.16% (p77 of band) | 61.37% |
| Liquid assets / assets | 35.70% (p37 of band) | |
| Uninsured deposits / deposits | 13.54% (p22 of band) | 20.48% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.07% (p68 of band) | |
| FHLB advances / assets | 2.07% | |
| Tier 1 leverage | 19.39% (p91 of band) | 10.54% |
| Unrealized securities loss / equity | -3.70% (p79 of band) | -19.24% |
| AOCI / equity | -3.14% (p72 of band) | |
| ROA (annualized) | 0.06% (p8 of band) | 0.80% |
| Net interest margin | 2.67% (p27 of band) | 3.08% |
| Efficiency ratio | 96.75% (p92 of band) | |
| Noncurrent loans | 0.13% (p42 of band) | 0.23% |
| Net charge-offs (annualized) | 0.00% (p48 of band) | |
| Reserve coverage of noncurrent | 825.52% | |
| Real estate % of loans | 94% | |
| Construction % of loans | 31.25% (p62 of band) | |
| Auto loans | $23,000 (0.02% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -3.3% | |
| Employees | 39 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | securities losses >30% of equity, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 3 | losing money, expense ratio p90 | securities losses >30% of equity |
| 2012-06 | 2 | uninsured deposits leaving | losing money, expense ratio p90 |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 3 | losing money, expense ratio p90 | uninsured deposits leaving |
| 2013-06 | 3 |  |  |
| 2013-09 | 4 | deposits shrinking |  |
| 2013-12 | 5 | assets shrinking |  |
| 2014-03 | 4 | capital falling | losing money, expense ratio p90 |
| 2014-06 | 3 |  | capital falling |
| 2014-09 | 3 |  |  |
| 2014-12 | 3 | uninsured deposits leaving | reserve under noncurrent |
| 2015-03 | 1 |  | assets shrinking, uninsured deposits leaving |
| 2015-06 | 0 |  | deposits shrinking |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | reserve under noncurrent |  |
| 2016-03 | 0 |  | reserve under noncurrent |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | reserve under noncurrent |  |
| 2017-09 | 2 | charge-offs p90 |  |
| 2017-12 | 1 |  | reserve under noncurrent |
| 2018-03 | 0 |  | charge-offs p90 |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | reserve under noncurrent |  |
| 2019-03 | 0 |  | reserve under noncurrent |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 1 | expense ratio p90 |  |
| 2022-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2019-06-05 [Chesapeake Bank of Maryland names Thomas F. (Tucker) McNulty as vice president, commercial lending - I95 Business](https://news.google.com/rss/articles/CBMiTkFVX3lxTE5LdEN6UHhpZEJPMl9DN0gyYmFmZmpabFliUktJQUpJRG1taFcxR2pfWklrM1d6V1BLd2MxOGJXb1VlQkpKWHMxUE1RNS1fQQ?oc=5) · I95 Business
- 2022-01-28 [Rosedale Federal Savings & Loan Association to Acquire CBM Bancorp, Inc. - PR Newswire](https://news.google.com/rss/articles/CBMiwwFBVV95cUxOYnlXbjByMXJ0SzFQcnU5eVRpVzBQR245NUxvb2R1UXh3LTRxQ0VtaXVwbV9EUk84aExtQzJNRVVGaGxrSzZsVjN5TU5jZDJYeHBkV1lDbkdyRnd5QXFKQ19vMFZaOHhTTlFDMXN3Mlg5ZDVpTWM2RDdqd19WZVFVVjFlRDQwRzJrdWk0X1hqcm82NjljdUNMS2NILVNtdHlkSGZ4cUpSQ1VraWtNdkJ6ZTBGVXo0N3p1OVVuQmxxVnFDSFU?oc=5) · PR Newswire
- 2024-06-27 [Rosedale Federal Savings & Loan adding new branch in Arbutus - Maryland Daily Record](https://news.google.com/rss/articles/CBMingFBVV95cUxOdjd1dUNJRkJUdlF6emhtbUdLQjBJNGo1bHQ4Vy01cmY4MGpZYU5vWk5reTJLeVJPRXcxNmJOVERUX0ZTMlltWVBBZHlxOVdSeHFTeDE1SWRaOThGT3hWbGZod1M5Xzl6VUxyTkRXS3huaDhfUlRMZTFybzc5SjlDUGo2ckFjdFFaQkEtQnVjOVR2YUwwWk5NQWZRQXRsdw?oc=5) · Maryland Daily Record
- 2022-02-01 [The month in M&A: Fifth Third's solar play, UBS snags robo advisor - American Banker](https://news.google.com/rss/articles/CBMioAFBVV95cUxOX01XZkJ1anFCMkRsd1FNMWFaVGVfLXhoRGRDLTdUTFZ0bzk5UkdENVNfN0MzWmhSeExWNEVXakY2bDBNcWM0RGFka0k1WUZlS1pKTUNPR1RNN3pUdkpDdnh4UGI3VjNtSmFnaWhNUFh2NDRITDRjUV9UenU0enowRFBEUjBxSWZsYWJ3SGtRV1FDZ0hOM3BxR2xpRmJMbHJQ?oc=5) · American Banker
- 2024-12-17 [Local bank taps industry veteran as CEO - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxQTXNQZHV0RHpLWi1EeXRxX05tZWhlX1FZQnF1eDhydXJfVHY0WGltNVAtNERKbG85V2tuaGRBTGQwYlhtbklBbTZlZURnRUFnYVRSNFpxM0JHMEQwSHBRUEllVzNyY3Z3c2duaU9ONW1wdDVDS1NPeUdfMTltM00wTXBGR3YwbjY4YU9DRzJkdmZQTk9qam9zTkpIVk5Fc0ljMWRqLXdn?oc=5) · The Business Journals
- 2017-04-20 [Names & Faces - somdnews.com](https://news.google.com/rss/articles/CBMioAFBVV95cUxQRGJaN2NTY2FLQnRYYk5IZ0JrbWNOTm50azhJamFKSWg2Nzc3VzZmZFpLVDhMVDdxYmVSbnZuajlUSHZJYUREcjVzRDU5MVZRYVlQTVZua1NsMlpDdzZ1TkVHZjhfbGNOMk1vb0liZ0pJdGI2cldRSWlCRllZYi1SWjk1dWlnNDJVWTJHV1ZrR3QxZXlWTjZwOFRlUlNiYkNS?oc=5) · somdnews.com
- 2019-11-19 [The Arc Northern Chesapeake Region elects five new board members - NottinghamMD.com](https://news.google.com/rss/articles/CBMiowFBVV95cUxNdXdXV0FQVDFrLWZKX1Uta2tqUE5kQkpVd3dadVp1VE4tRUlGZWlwdGZyNHM2cWIwbDVkTGZ1Y0sxZzNfeGpMNWlPVlVHUmw5blIyaGRqMnJKcTBuUmZoQklTMTdpMC1oRk1FelRGRHN1US1VazZ6TDZPcy1CQmFDUkJna1BkQXJmenltVGJwWDN1LVNFV3MxVWpiNFh5eTVfY1p3?oc=5) · NottinghamMD.com
- 2020-01-29 [Harford Chamber of Commerce hosts annual State of the County luncheon - Maryland Daily Record](https://news.google.com/rss/articles/CBMirAFBVV95cUxNYjMyNDVYbGxaVURkMGk2aXJVR0tPNTlTV1RqdzVUcE9JRFhJQ1g1OXFEZVpLN2ZESWZUVnJJNDBIX21rdGRBSGliUHVnWS1BTWZZRGZkMi1ndTBHNTJEcmpIbG1hSTBENjMyTkI0SWtuZnlpdG5fcDN6TExUbzVYd0RiM3FneFlTU1lNb00wTjRtS1EtV3l2bElCM0pQb215QUdYOWRuU0FEdGNs?oc=5) · Maryland Daily Record

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=28684 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/12.json (key "28684", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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