Chambers, NE · Cert 13251 · Chambanco Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.76% | 1.97% | 0.96% | 3.00% | 2.38% | +62 bps | |
| Return on Equity | 7.59% | 8.14% | 3.92% | 12.51% | 9.83% | +224 bps | |
| Net Interest Margin | 4.93% | 5.20% | 5.14% | 4.91% | 4.92% | -1 bps | |
| Efficiency Ratio | 39.89% | 33.19% | 75.19% | 45.72% | 40.00% | +11 bps | |
| Non-Interest Burden | 1.88% | 1.64% | 3.78% | 2.18% | 1.91% | +4 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 / Loans | 0.29% | 0.29% | 0.59% | 0.42% | 0.39% | +10 bps | |
| Net Charge-Offs / Loans | 0.66% | 0.00% | 0.00% | 0.61% | -0.01% | -66 bps | |
| Allowance / Loans | 0.99% | 0.95% | 0.95% | 0.98% | 0.97% | -2 bps | |
| Allowance Coverage of NPLs | 3.4x | 3.3x | 1.6x | 2.3x | 2.4x | -0.9x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 23.64% | 24.67% | 24.57% | 24.33% | 24.74% | +110 bps | |
| Total Risk-Based Capital | 23.64% | 24.67% | 24.57% | 24.33% | 24.74% | +110 bps | |
| Equity / Assets | 23.49% | 25.00% | 24.00% | 24.00% | 24.48% | +99 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 98.00% | 108.96% | 103.58% | 97.57% | 99.12% | +112 bps | |
| Liquid Assets / Assets | 13.27% | 14.13% | 14.57% | 15.74% | 16.51% | +325 bps | |
| CRE / Total Capital | n/a | 15.30% | 15.27% | 13.19% | n/a | n/a | |