Chambers Bank
Danville, AR · Cert 5615 · Peer group: banks $1B-$10B in assets (n=322-328) · Chambers Bancshares Inc.
State charter, Fed member · FED · 25 branches
Q2 2026
$1.6BAssets
$1.2BLoans
$1.3BDeposits
$203.7MEquity
Executive Summary
- Strongest standing: return on assets outperforms 84% of banks $1B-$10B in assets (rank 51 of 328).
- Widest gap: efficiency ratio trails 44% of banks $1B-$10B in assets (rank 145 of 328).
- Overall: at or above the peer median on 9 of 9 directional measures.
Return on Assets
1.73%
Rank 51 of 328
Net Interest Margin
4.00%
Rank 58 of 328
Efficiency Ratio
58.09%
Rank 145 of 328
Equity / Assets
12.83%
Rank 57 of 328
Non-interest income vs. expense
Unfavorable gap of $33.0M · efficiency ratio beats 56% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.73% | 0.91% | 1.22% | 1.52% | Beats 84% | 51 / 328 | |
| Return on Equity | 13.52% | 8.43% | 11.45% | 14.43% | Beats 68% | 104 / 328 | |
| Net Interest Margin | 4.00% | 3.03% | 3.45% | 3.83% | Beats 82% | 58 / 328 | |
| Efficiency Ratio | 58.09% | 51.61% | 59.56% | 67.53% | Beats 56% | 145 / 328 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.23% | 0.24% | 0.51% | 1.03% | Beats 76% | 79 / 322 | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.03% | 0.10% | Beats 60% | 130 / 322 | |
| Capital |
| Tier 1 Capital Ratio | 15.47% | 11.75% | 13.15% | 15.47% | Beats 75% | 82 / 328 | |
| Total Risk-Based Capital Ratio | 16.57% | 12.63% | 14.15% | 16.46% | Beats 77% | 76 / 328 | |
| Equity / Assets | 12.83% | 9.15% | 10.33% | 12.01% | Beats 83% | 57 / 328 | |
| Liquidity & Funding |
| Loans / Deposits | 87.63% | 76.63% | 87.92% | 95.36% | 50th pctl | 163 / 323 | |
| Loans / Assets | 73.14% | 65.18% | 74.15% | 79.98% | 45th pctl | 179 / 328 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |