BanksCHAMBERS STATE BANK

CHAMBERS STATE BANK

CHAMBERS, NEMicroEst. Nov. 1, 1901, midnightFDIC #13251RSSD #416357FDIC
Latest · 2025-12-31

CHAMBERS STATE BANK is an 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%. CET1 capital ratio: 24.00%, well above regulatory minimums. NPL ratio: 0.59% · Texas Ratio: 1.85%. Operates 2 domestic branches.

Assets
$86M
Deposits
$65M
Loans
$67M
Equity
$21M

Profitability

Return on Assets (ROA)0.96%
Return on Equity (ROE)3.92%
Net Interest Margin5.54%
Yield on Assets6.92%
Cost of Funds1.70%

Asset Quality

NPL Ratio0.59%
Net Charge-Off Ratio0.16%
Texas Ratio1.85%
NPA Ratio0.46%
ACL / Loans0.95%

Capital & Liquidity

CET1 Ratio24.00%
Tier 1 Capital24.00%
Total Capital Ratio25.20%
Leverage Ratio24.57%
Loan-to-Deposit103.58%

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