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Chambers State Bank

Chambers, NE · Cert 13251 · Chambanco Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in NE3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in NE (n=83). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

95

Q2 2024Q2 2026peer median (50)

Asset Quality

21

Q2 2024Q2 2026peer median (50)

Profitability

82

Q2 2024Q2 2026peer median (50)

Liquidity

11

Q2 2024Q2 2026peer median

Efficiency

92

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Chambers State Bank

Chambers, NE · Cert 13251 · Chambanco Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$89.2MAssets
$66.1MLoans
$66.7MDeposits
$21.8MEquity
Loan mix
75%RE $27.4M17%C&I $6.3M8%Consumer $2.9MQ3 2024Q2 2026
Deposit mix
69%Interest-bearing $45.7M31%Noninterest $21.0MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 2.70%, up 45 bps year over year; NIM at 4.89%.
  • Asset quality: problem loans at 0.39% of loans (+10 bps YoY), with net charge-offs at 0.30%.
  • Capital: tier 1 leverage ratio of 24.74%, up 110 bps from a year ago.
  • Funding: loans stand at 99.12% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

2.70%+45 bps YoY

Net Interest Margin (YTD, annualized)

4.89%+12 bps YoY

Efficiency Ratio (YTD, annualized)

42.85%+26 bps YoY

Tier 1 Leverage Ratio

24.74%+110 bps YoY

NIM

5.91%Q2 ’246.04%Q2 ’255.99%Q2 ’26+1%+2%

Non-interest income vs. expense

2.22%Q2 ’242.10%Q2 ’252.14%Q2 ’26-6%+5%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.16%1.85%2.71%2.24%2.16%1.86%3.00%2.70%+45 bps
Return on Equity8.93%7.71%11.71%9.63%9.13%7.82%12.51%11.16%+152 bps
Net Interest Margin4.80%4.69%4.65%4.78%4.99%5.05%4.91%4.89%+12 bps
Efficiency Ratio42.02%52.71%45.47%42.59%39.33%48.74%45.72%42.85%+26 bps
Non-Interest Burden1.96%2.38%2.04%1.95%1.88%2.36%2.18%2.04%+9 bps
Growth
Asset Growth (YoY)5.47%9.72%10.52%7.18%2.92%3.63%1.32%2.58%-460 bps
Loan Growth (YoY)7.14%4.91%2.15%3.96%2.76%7.32%4.76%2.44%-153 bps
Deposit Growth (YoY)3.61%11.07%11.97%7.67%3.91%2.73%-0.18%1.28%-638 bps
Asset Quality
Nonperforming Loans / Loans0.32%0.67%0.48%0.29%0.29%0.59%0.42%0.39%+10 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.33%0.21%0.16%0.61%0.30%-3 bps
Allowance / Loans0.96%1.01%1.01%0.99%0.95%0.95%0.98%0.97%-2 bps
Allowance Coverage of NPLs3.0x1.5x2.1x3.4x3.3x1.6x2.3x2.4x-0.9x
Capital
Tier 1 Leverage Ratio24.82%23.83%23.36%23.64%24.67%24.57%24.33%24.74%+110 bps
Total Risk-Based Capital24.82%23.83%23.36%23.64%24.67%24.57%24.33%24.74%+110 bps
Equity / Assets24.27%23.44%22.88%23.49%25.00%24.00%24.00%24.48%+99 bps
Liquidity & Funding
Loans / Deposits110.18%99.15%92.97%98.00%108.96%103.58%97.57%99.12%+112 bps
Liquid Assets / Assets15.51%19.35%15.71%13.27%14.13%14.57%15.74%16.51%+325 bps
CRE / Total Capitaln/an/an/an/a15.30%15.27%13.19%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-10

Chambers State Bank

Chambers, NE · Cert 13251 · Peer group: banks under $1B in assets in NE (n=83) · Chambanco Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$89.2MAssets
$66.1MLoans
$66.7MDeposits
$21.8MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 98% of banks under $1B in assets in NE (rank 2 of 83).
  • Widest gap: net charge-offs / loans trails 93% of banks under $1B in assets in NE (rank 78 of 83).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

2.66%

Rank 3 of 83

Net Interest Margin

4.89%

Rank 4 of 83

Efficiency Ratio

42.85%

Rank 8 of 83

Equity / Assets

24.48%

Rank 2 of 83

Non-interest income vs. expense

$0.1M$1.9MINCOMEEXPENSE
Unfavorable gap of $1.8M · efficiency ratio beats 92% of banks under $1B in assets in NE
Bank 42.85%Peer median 60.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets2.66%0.93%1.20%1.51%Beats 96%3 / 83
Return on Equity10.87%8.04%10.34%13.11%Beats 55%37 / 83
Net Interest Margin4.89%3.25%3.62%4.02%Beats 95%4 / 83
Efficiency Ratio42.85%51.13%59.95%67.19%Beats 92%8 / 83
Asset Quality
Nonperforming Loans / Loans0.39%0.00%0.19%0.96%Beats 34%56 / 83
Net Charge-Offs / Loans0.15%n/a0.00%0.02%Beats 7%78 / 83
Capital
Tier 1 Capital Ratio24.74%10.94%13.24%16.62%Beats 94%5 / 83
Total Risk-Based Capital Ratio24.74%11.04%13.54%17.63%Beats 94%5 / 83
Equity / Assets24.48%9.90%11.31%13.84%Beats 98%2 / 83
Liquidity & Funding
Loans / Deposits99.12%71.97%83.15%92.22%87th pctl11 / 83
Loans / Assets74.12%57.96%69.15%77.64%61st pctl32 / 83
Brokered Deposits / Depositsn/aNot reported for this institution