CHAMBERS STATE BANK

CHAMBERS, NE | Micro | Est. Nov. 1, 1901, midnight | FDIC #13251 | RSSD #416357 | FDIC
Latest Report: 2025-12-31

CHAMBERS STATE BANK is amn micro FDIC-insured commercial bank headquartered in CHAMBERS, NE, established in Nov. 1, 1901, midnight. As of 2025-12-31, the bank reported total assets of $86M and total deposits of $65M. Profitability stands at 0.96% ROA and 3.92% ROE, with a net interest margin of 5.54%. The bank's CET1 capital ratio is 24.00%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.59% and a Texas Ratio of 1.85%. FDIC Certificate #13251.

Assets

$86M

Deposits

$65M

Loans

$67M

Equity

$21M

Profitability

Return on Assets (ROA) 0.96%
Return on Equity (ROE) 3.92%
Net Interest Margin (NIM) 5.54%
Yield on Assets 6.92%
Cost of Funds 2.34%

Asset Quality

NPL Ratio 0.59%
Net Charge-Off Ratio 0.16%
Texas Ratio 1.85%
NPA Ratio 0.46%
ACL / Loans 0.95%

Capital & Liquidity

CET1 Ratio 24.00%
Tier 1 Capital 24.00%
Total Capital Ratio 25.20%
Leverage Ratio 24.57%
Loan-to-Deposit 103.58%

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