Chesapeake Financial Shares, Inc. is a one-bank holding company, which engages in the provision of personal, business products, and banking services. It offers checking, savings, credit of deposits, mortgages, mobile and online banking, electronic services comprising an internet branch, business cash management program, brokerage, trust and estate management services. It operates through the following business segments: Commercial, Commercial Real Estate, Consumer Non-Real Estate, and Residential Real Estate. The Commercial segment includes both secured and unsecured loans. The Commercial Real Estate segment carries risks associated with the success of the business and ability to generate a positive cash flow sufficient to service debts. The Consumer Non-Real Estate segment offers loans for job loss, divorce, illness, personal bankruptcy, or other life events. The Residential Real Estate segment refers to the risks associated with the continued creditworthiness of the borrower and changes in the value of the collateral. The company was founded in 1900 and is headquartered in Kilmarnock, VA.