Chambers Bank
Total assets
$1.59B
▲ +12.2% YoY
Deposits
$1.33B
▲ +14.2% YoY
Loans
$1.15B
▲ +8.4% YoY
Offices
26
CHAMBERS BANCSHARES INC
ROA (annualized)
1.76%
peers 1.26%
ROE (annualized)
13.73%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | Chambers Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.2% | +5.5% | +6.8 pts |
| Deposit growth (YoY) | +14.2% | +5.1% | +9.2 pts |
| Loan growth (YoY) | +8.3% | +5.9% | +2.4 pts |
| ROA | 1.76% | 1.26% | +0.5 pts |
| ROE | 13.7% | 12.2% | +1.6 pts |
ROA ranks in the 81st percentile of its peer group · Q2 2026
Profile
- Established
- 1930
- Charter
- State
- Primary regulator
- FED
- Holding company
- CHAMBERS BANCSHARES INC
- Specialization
- Commercial Lending Specialization
- Address
- 901 Main St, Danville, AR, 72833
- County
- Yell
- Metro area
- Russellville, AR
- Offices
- 26
- FDIC cert #
- 5615
- RSSD ID
- 517049
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.59B | $1.33B | $1.15B | $203.7M | $13.8M | 1.76% | 4.35% | 0.20% |
| Q1 2026 | $1.57B | $1.31B | $1.10B | $197.8M | $7.2M | 1.87% | 4.31% | 0.18% |
| Q4 2025 | $1.53B | $1.26B | $1.12B | $199.8M | $30.5M | 2.11% | 4.58% | 0.19% |
| Q3 2025 | $1.45B | $1.22B | $1.10B | $193.2M | $23.0M | 2.16% | 4.58% | 0.16% |
| Q2 2025 | $1.41B | $1.16B | $1.06B | $187.4M | $14.8M | 2.10% | 4.52% | 0.15% |
| Q1 2025 | $1.41B | $1.18B | $1.03B | $182.3M | $7.7M | 2.19% | 4.34% | 0.09% |
| Q4 2024 | $1.41B | $1.17B | $1.03B | $179.0M | $21.5M | 1.59% | 4.42% | 0.10% |
| Q3 2024 | $1.39B | $1.15B | $1.03B | $175.0M | $17.0M | 1.70% | 4.34% | 0.26% |
Loan mix (Q2 2026): real estate $960.7M · commercial $184.8M · consumer $9.5M · securities $52.0M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | Chambers Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.76% | 1.26% | 81th | |
Return on equity Annualized net income ÷ equity or net worth | 13.7% | 12.2% | 64th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.35% | 3.70% | 83th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.4% | 59.0% | 44th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Chambers Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Chambers Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Chambers Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Chambers Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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