Chambers Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Chambers Bank, based in Danville, Arkansas, reported $1.6 billion in assets at June 30, 2026, up 12.2% from a year earlier. It grew deposits 14.2% over the year, about triple the median of 5.1% for the 895 banks with $1 billion to $10 billion in assets. It also keeps 4.32 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 3.71 cents).
Deposits are coming in faster than loans: over the year loans rose 8.2% and deposits rose 14.2%. Concentration is the risk to watch: it holds commercial real estate loans worth 3.1 times its capital, higher than about three-quarters of banks its size (median 2.2 times).
As of June 30, 2026, Chambers Bank reported a CET1 capital ratio of 15.47%, a return on assets of 1.65%, a nonperforming-loan ratio of 0.23% and a Texas ratio of 1.54%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 901 Main St, Danville, AR 72833
- County
- Yell
- Metro Area
- Russellville, AR
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Trust powers not granted
- Call Report form
- FFIEC 051
- Established
- October 7, 1930
- Offices
- 26 domestic
- Employees (FTE)
- 248
- Domestic deposits
- $1.33B
- Allowance for credit losses
- $12.6M
- Net charge-offs (YTD)
- $95K
- Average total assets
- $1.58B
- Average total loans
- $1.14B
- Average interest-bearing deposits
- $1.30B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5615
- Fed RSSD
- 517049
- SEC CIK
- 1275702 → filed by CHAMBERS BANCSHARES, INC.
- Website
- http://www.chambers.bank →
- Parent Holding Company
- CHAMBERS BANCSHARES, INC. (RSSD 1141487)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Chambers Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Chambers Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Chambers Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.47% | 1.65% | 0.23% | 1.54% | 4.32% |
| Q1 2026 | 15.49% | 1.87% | 0.24% | 1.38% | 4.27% |
| Q4 2025 | 15.39% | 2.01% | 0.25% | 1.41% | 4.59% |
| Q3 2025 | 15.23% | 2.31% | 0.21% | 1.18% | 4.74% |
| Q2 2025 | 15.21% | 2.05% | 0.18% | 1.09% | 4.71% |
| Q1 2025 | 15.15% | 2.22% | 0.12% | 0.69% | 4.35% |
| Q4 2024 | 14.94% | 1.28% | 0.14% | 0.79% | 4.54% |
| Q3 2024 | 14.81% | 1.96% | 0.92% | 1.96% | 4.48% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 25 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Chambers Bank (main office) | Danville , AR | 72833 | $176.4M |
| New Hope Road Branch | Rogers , AR | 72758 | $172.3M |
| Hot Springs Central Branch | Hot Springs , AR | 71913 | $111.3M |
| Parkway Branch | Russellville , AR | 72801 | $93.4M |
| Waldron Branch | Waldron , AR | 72958 | $78.8M |
| Elkins Branch | Elkins , AR | 72727 | $77.5M |
| Fort Smith Phoenix Branch | Fort Smith , AR | 72903 | $71.7M |
| Dardanelle Branch | Dardanelle , AR | 72834 | $70.9M |
| East Joyce Avenue Branch | Fayetteville , AR | 72703 | $60.5M |
| Thomas V. Jones Branch | Dardanelle , AR | 72834 | $46.9M |
| Mena Branch | Mena , AR | 71953 | $44.0M |
| Bank of Amity Branch | Amity , AR | 71921 | $38.8M |
| Hot Springs Village | Hot Springs Village , AR | 71909 | $37.3M |
| Oak Street Branch | Conway , AR | 72032 | $36.8M |
| West Grove Avenue Branch | Springdale , AR | 72764 | $32.8M |
| Dover Branch | Dover , AR | 72837 | $29.5M |
| Dallas Turtle Creek Branch | Dallas , TX | 75219 | $28.5M |
| Danville Branch | Danville , AR | 72833 | $27.5M |
| Van Buren Branch | Van Buren , AR | 72956 | $20.4M |
| Mansfield Branch | Mansfield , AR | 72944 | $19.0M |
| Atkins Branch | Atkins , AR | 72823 | $17.8M |
| Skyline Branch | Russellville , AR | 72801 | $16.8M |
| Havana Branch | Havana , AR | 72842 | $16.4M |
| Danville Branch | Danville , AR | 72833 | $0 |
| River Town Branch | Dardanelle , AR | 72834 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| November 2, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 2, 2019 | Structure Change | Acquired River Town Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 30, 2014 | Structure Change | Acquired Peterson Holding Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 24, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 22, 2008 | Structure Change | Acquired Chambers Bank of North Arkansas Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 18, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 16, 2000 | Structure Change | Acquired Bank of Amity Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 5, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 2, 2000 | Structure Change | Acquired The Scott County Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 9 events.
Regulatory record
What the public regulatory sources show for Chambers Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 1.2% of deposits in AR, rank 19 of 108 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 449 applications, 356 loans originated, $117.4M originated, across 10 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $650K approved, $650K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2007 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Chambers Bank
What are Chambers Bank's total assets?
As of the Q2 2026 filing, Chambers Bank reported total assets of $1.59 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Chambers Bank headquartered?
Chambers Bank is headquartered in Danville, AR, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Chambers Bank founded?
Chambers Bank was established in 1930, per the FDIC institution directory.
Is Chambers Bank FDIC-insured?
Yes. Chambers Bank is an FDIC-insured commercial bank (FDIC Certificate #5615). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Chambers Bank?
Chambers Bank's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Chambers Bank's CET1 capital ratio?
Chambers Bank reported a Common Equity Tier 1 (CET1) capital ratio of 15.47% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Chambers Bank operate?
Chambers Bank operates 26 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Chambers Bank's Texas Ratio?
Chambers Bank's Texas Ratio is 1.54% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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