Chambers State Bank
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Data as of · sourced from FFIEC call reports. How we update
Chambers State Bank is an FDIC-insured commercial bank headquartered in Chambers, NE, established in 1901 (FDIC certificate 13251), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $89.2M, up 2.6% from Q2 2025, the 107th largest of 138 banks headquartered in Nebraska. It reports no CET1 ratio; its Tier 1 leverage ratio was 24.74% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 13251
- Headquarters
- Chambers, NE
- Established
- 1901
- Total assets, Q2 2026
- $89.2M
- Assets vs Q2 2025
- +2.6%
- Tier 1 leverage ratio, Q2 2026
- 24.74%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 104106800
- Latest call report
- Q2 2026, FFIEC 051 · Chambers State Bank call report
- Holding company
- CHAMBANCO, INC.
- Asset rank in state
- 107th of 138 in Nebraska
Chambers State Bank runs leaner than most banks of its size. Its balance sheet stood at $89 million at June 30, 2026, up 2.6% from a year earlier; it is based in Chambers, Nebraska. It spends about 40 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median 69 cents). It also keeps 5.01 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 3.87 cents).
Earnings jumped: net income for the quarter was $530,000, 38% above the same quarter a year earlier. Problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.39% of loans from 0.29% a year earlier.
As of June 30, 2026, Chambers State Bank reported a return on assets of 2.40%, a nonperforming-loan ratio of 0.39% and a Texas ratio of 1.16%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Chambers State Bank is the 107th largest of the 138 banks headquartered in Nebraska. Between Q1 2026 and Q2 2026, its total assets rose 0.5% to $89.2M, loans rose 1.3% and deposits fell 0.3%. The largest part of its loan book on June 30, 2026 was agricultural production loans, at 43.9% of total loans, ahead of farmland and other real estate loans at 33.8%. The FDIC Summary of Deposits lists 2 offices for it, in Chambers, NE and Ewing, NE; its Chambers office books 100% of its branch deposits. Judged on its Q2 2026 call report, Chambers State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 104 E Main St, Chambers, NE 68725
- County
- Holt
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- November 1, 1901
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 10
- Domestic deposits
- $66.7M
- Allowance for credit losses
- $639K
- Net charge-offs (YTD)
- $99K
- Average total assets
- $88.2M
- Average total loans
- $65.2M
- Average interest-bearing deposits
- $45.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 13251
- Fed RSSD
- 416357
- Parent Holding Company
- CHAMBANCO, INC. (RSSD 1056125)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Chambers State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Chambers State Bank's total assets ran between $75.6M (Q4 2023) and $89.2M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$89.2M total assets against $86.9M; $67.3M total liabilities against $66.5M.
$65.4M net loans and leases against $63.9M; $66.7M total deposits against $65.8M.
$1.8M securities against $1.6M; $20.2M cash and balances due against $19.8M.
$1.3M total interest income against $1.3M; $254K total interest expense against $273K.
$1.1M net interest income against $1.1M.
$20K total noninterest income against $33K; $442K total noninterest expense against $438K.
$0 provision for credit losses against $115K.
$530K net income against $384K.
2.40% return on assets against 1.78%; 5.01% net interest margin against 5.05%.
24.74% tier 1 leverage ratio against 23.64%.
Inside the full Chambers State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.97% (Q4 2025) to 3.00% (Q1 2026) and its net interest margin ran from 4.80% (Q1 2025) to 5.31% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 24.74% | 2.40% | 0.39% | 1.16% | 5.01% |
| Q1 2026 | 24.33% | 3.00% | 0.42% | 1.25% | 5.04% |
| Q4 2025 | 24.57% | 0.97% | 0.59% | 1.85% | 5.27% |
| Q3 2025 | 24.67% | 1.99% | 0.29% | 0.89% | 5.31% |
| Q2 2025 | 23.64% | 1.78% | 0.29% | 0.90% | 5.05% |
| Q1 2025 | 23.36% | 2.70% | 0.48% | 1.46% | 4.80% |
| Q4 2024 | 23.83% | 0.98% | 0.67% | 2.08% | 4.90% |
| Q3 2024 | 24.82% | 1.61% | 0.32% | 1.02% | 5.02% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Chambers State Bank (main office) | Chambers , NE | 68725 | $66.7M |
| Farmers State Bank Branch | Ewing , NE | 68735 | $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 |
|---|---|---|---|
| September 21, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 21, 2016 | Structure Change | Acquired Farmers State 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 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in NE, rank 125 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $1.1M approved, $1.1M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2020 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Chambers State Bank
What are Chambers State Bank's total assets?
As of the Q2 2026 filing, Chambers State Bank reported total assets of $89.2 million in its FFIEC call report.
Where is Chambers State Bank headquartered?
It is headquartered in Chambers, NE, United States.
When was Chambers State Bank founded?
It was established in 1901, per the FDIC institution directory.
Is Chambers State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #13251). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Chambers State Bank?
Chambers State Bank's primary federal regulator is the FDIC.
How many branches does Chambers State Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Chambers State Bank's Texas Ratio?
Its Texas Ratio is 1.16% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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