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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 $2.9MQ2 2025Q2 2026
Deposit mix
69%Interest-bearing $45.7M31%Noninterest $21.0MQ2 2025Q2 2026

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%

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.

Financial Results

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

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.24%2.16%1.86%3.00%2.70%+45 bps
Return on Equity9.63%9.13%7.82%12.51%11.16%+152 bps
Net Interest Margin4.78%4.99%5.05%4.91%4.89%+12 bps
Efficiency Ratio42.59%39.33%48.74%45.72%42.85%+26 bps
Non-Interest Burden1.95%1.88%2.36%2.18%2.04%+9 bps
Growth
Asset Growth (YoY)7.18%2.92%3.63%1.32%2.58%-460 bps
Loan Growth (YoY)3.96%2.76%7.32%4.76%2.44%-153 bps
Deposit Growth (YoY)7.67%3.91%2.73%-0.18%1.28%-638 bps
Asset Quality
Nonperforming Loans / Loans0.29%0.29%0.59%0.42%0.39%+10 bps
Net Charge-Offs / Loans0.33%0.21%0.16%0.61%0.30%-3 bps
Allowance / Loans0.99%0.95%0.95%0.98%0.97%-2 bps
Allowance Coverage of NPLs3.4x3.3x1.6x2.3x2.4x-0.9x
Capital
Tier 1 Leverage Ratio23.64%24.67%24.57%24.33%24.74%+110 bps
Total Risk-Based Capital23.64%24.67%24.57%24.33%24.74%+110 bps
Equity / Assets23.49%25.00%24.00%24.00%24.48%+99 bps
Liquidity & Funding
Loans / Deposits98.00%108.96%103.58%97.57%99.12%+112 bps
Liquid Assets / Assets13.27%14.13%14.57%15.74%16.51%+325 bps
CRE / Total Capitaln/a15.30%15.27%13.19%n/an/a