| Metric | Chambers State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.6% | +3.0% | -0.4 pts |
| Deposit growth (YoY) | +1.3% | +2.5% | -1.2 pts |
| Loan growth (YoY) | +2.5% | +2.6% | -0.1 pts |
| ROA | 2.70% | 0.99% | +1.7 pts |
| ROE | 11.2% | 8.1% | +3.1 pts |
ROA ranks in the 96th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $89.2M | $66.7M | $65.4M | $21.8M | $1.2M | 2.70% | 5.12% | 0.29% |
| Q1 2026 | $88.7M | $66.9M | $64.6M | $21.3M | $656K | 3.00% | 5.14% | 0.31% |
| Q4 2025 | $86.0M | $64.5M | $66.2M | $20.6M | $1.6M | 1.86% | 5.22% | 0.46% |
| Q3 2025 | $83.4M | $61.6M | $66.5M | $20.8M | $1.4M | 2.16% | 5.19% | 0.23% |
| Q2 2025 | $86.9M | $65.8M | $63.9M | $20.4M | $962K | 2.24% | 5.03% | 0.22% |
| Q1 2025 | $87.6M | $67.0M | $61.7M | $20.0M | $578K | 2.71% | 4.91% | 0.34% |
| Q4 2024 | $83.0M | $62.8M | $61.7M | $19.5M | $1.5M | 1.85% | 4.99% | 0.50% |
| Q3 2024 | $81.0M | $59.3M | $64.7M | $19.7M | $1.3M | 2.16% | 4.99% | 0.26% |
Loan mix (Q2 2026): real estate $28.3M · commercial $5.7M · consumer $3.1M · securities $1.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Chambers State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.70% | 0.99% | 96th | |
Return on equity Annualized net income ÷ equity or net worth | 11.2% | 8.1% | 68th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.12% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 42.9% | 70.8% | 4th |
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% |
| Ratio | Chambers State 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% |
| Ratio | Chambers State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Chambers State 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% |
| Ratio | Chambers State 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% |
| Ratio | Chambers State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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