Danville, AR · Cert 5615 · Chambers Bancshares Inc.
State charter, Fed member · FED · 25 branches
Q2 2026
Market Position · Fayetteville-Springdale-Rogers, AR · 2026 SOD (annual) · 1.7% share · #13 of 42 inst. · $0.3B of $20.2B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.70% | 1.59% | 2.19% | 2.10% | 2.16% | 2.11% | 1.87% | 1.76% | -34 bps | |
| Return on Equity | 13.51% | 12.65% | 17.09% | 16.22% | 16.55% | 16.18% | 14.56% | 13.73% | -249 bps | |
| Net Interest Margin | 4.06% | 3.98% | 4.10% | 4.27% | 4.28% | 4.15% | 4.02% | 4.00% | -28 bps | |
| Efficiency Ratio | 54.07% | 56.63% | 50.89% | 53.17% | 53.39% | 55.35% | 55.29% | 57.44% | +427 bps | |
| Non-Interest Burden | 1.95% | 2.05% | 1.85% | 2.03% | 2.05% | 2.08% | 2.00% | 2.09% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.61% | 7.00% | 6.87% | 7.00% | 4.73% | 8.50% | 11.07% | 12.22% | +522 bps | |
| Loan Growth (YoY) | 4.89% | 2.30% | 1.30% | 4.14% | 6.75% | 8.28% | 6.75% | 8.21% | +407 bps | |
| Deposit Growth (YoY) | 10.04% | 9.36% | 9.69% | 6.85% | 6.31% | 8.07% | 10.89% | 14.22% | +737 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.30% | 0.14% | 0.12% | 0.19% | 0.21% | 0.26% | 0.24% | 0.23% | +4 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.17% | -0.11% | -0.06% | -0.04% | -0.03% | 0.06% | 0.02% | +7 bps | |
| Allowance / Loans | 1.37% | 1.20% | 1.23% | 1.22% | 1.21% | 1.13% | 1.13% | 1.09% | -13 bps | |
| Allowance Coverage of NPLs | 4.5x | 8.5x | 10.5x | 6.4x | 5.6x | 4.4x | 4.7x | 4.8x | -1.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.74% | 12.46% | 12.77% | 13.14% | 13.33% | 13.17% | 12.47% | 12.57% | -57 bps | |
| Total Risk-Based Capital | 16.06% | 16.02% | 16.25% | 16.31% | 16.32% | 16.39% | 16.64% | 16.57% | +26 bps | |
| Equity / Assets | 12.61% | 12.71% | 12.90% | 13.24% | 13.30% | 13.08% | 12.60% | 12.83% | -41 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.74% | 89.54% | 88.00% | 92.49% | 91.11% | 89.72% | 84.71% | 87.63% | -487 bps | |
| Liquid Assets / Assets | 0.08% | 0.22% | 0.23% | 0.14% | 0.15% | 0.17% | 1.77% | 0.13% | -1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 379% | 370% | 358% | n/a | n/a | |