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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 $2.9MQ3 2024Q2 2026
Deposit mix
69%Interest-bearing $45.7M31%Noninterest $21.0MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 2.38%, up 62 bps year over year; NIM at 4.92%.
  • Asset quality: problem loans at 0.39% of loans (+10 bps YoY), with net recoveries of 0.01%.
  • 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 (quarter, annualized)

2.38%+62 bps YoY

Net Interest Margin (quarter, annualized)

4.92%-1 bps YoY

Efficiency Ratio (quarter, annualized)

40.00%+11 bps YoY

Tier 1 Leverage Ratio

24.74%+110 bps YoY

NIM

6.04%Q2 ’246.20%Q2 ’256.07%Q2 ’26+2%0%

Non-interest income vs. expense

2.21%Q2 ’242.03%Q2 ’252.00%Q2 ’26-9%+2%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.57%0.97%2.71%1.76%1.97%0.96%3.00%2.38%+62 bps
Return on Equity6.52%4.07%11.71%7.59%8.14%3.92%12.51%9.83%+224 bps
Net Interest Margin4.93%4.79%4.65%4.93%5.20%5.14%4.91%4.92%-1 bps
Efficiency Ratio35.40%81.52%45.47%39.89%33.19%75.19%45.72%40.00%+11 bps
Non-Interest Burden1.73%3.81%2.04%1.88%1.64%3.78%2.18%1.91%+4 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%0.66%0.00%0.00%0.61%-0.01%-66 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