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
Unfavorable gap of $1.8M · efficiency ratio beats 92% of banks under $1B in assets in NE | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.66% | 0.93% | 1.20% | 1.51% | Beats 96% | 3 / 83 | | |
| Return on Equity | 10.87% | 8.04% | 10.34% | 13.11% | Beats 55% | 37 / 83 | | |
| Net Interest Margin | 4.89% | 3.25% | 3.62% | 4.02% | Beats 95% | 4 / 83 | | |
| Efficiency Ratio | 42.85% | 51.13% | 59.95% | 67.19% | Beats 92% | 8 / 83 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.39% | 0.00% | 0.19% | 0.96% | Beats 34% | 56 / 83 | | |
| Net Charge-Offs / Loans | 0.15% | n/a | 0.00% | 0.02% | Beats 7% | 78 / 83 | | |
| Capital |
| Tier 1 Capital Ratio | 24.74% | 10.94% | 13.24% | 16.62% | Beats 94% | 5 / 83 | | |
| Total Risk-Based Capital Ratio | 24.74% | 11.04% | 13.54% | 17.63% | Beats 94% | 5 / 83 | | |
| Equity / Assets | 24.48% | 9.90% | 11.31% | 13.84% | Beats 98% | 2 / 83 | | |
| Liquidity & Funding |
| Loans / Deposits | 99.12% | 71.97% | 83.15% | 92.22% | 87th pctl | 11 / 83 | | |
| Loans / Assets | 74.12% | 57.96% | 69.15% | 77.64% | 61st pctl | 32 / 83 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |