Chambers State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Chambers State Bank of Chambers, NE against its peer group of 578 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.40% | 0.85% | +1.55% | 88th top |
| ROAE | 9.83% | 5.23% | +4.60% | 56th above |
| Net Interest Margin | 5.01% | 3.94% | +1.07% | 87th top |
| Efficiency Ratio | 39.99% | 74.96% | -34.97% | 96th top |
| PPNR / Avg Assets | 3.01% | — | — | 93rd top |
| Yield on Earning Assets | 6.19% | 5.42% | +0.77% | 81st top |
| Cost of Funds | 1.51% | 1.69% | -0.18% | 51st above |
| Net Interest Spread | 3.93% | — | — | 74th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.39% | 1.34% | -0.95% | 47th below |
| NPA / Total Assets | 0.29% | — | — | 41st below |
| NCO / Avg Loans | -0.01% | 0.11% | -0.12% | 78th top |
| ACL / Total Loans | 0.97% | — | — | 26th below |
| ACL / NPLs (Coverage) | 244.83% | — | — | 64th above |
| Texas Ratio | 1.16% | 8.60% | -7.44% | 55th above |
| Provision / NCO | 101.01% | — | — | 63rd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 24.74% | 14.13% | +10.61% | 84th top |
| Equity / Assets | 24.48% | 13.07% | +11.41% | 84th top |
| TCE / Tangible Assets | 24.48% | — | — | 84th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 99.12% | 68.58% | +30.54% | 11th bottom |
| Core Deposit Ratio | 84.91% | 88.79% | -3.88% | 23rd bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.58% | — | — | 46th below |
| Loan Growth (Y/Y) | 2.44% | — | — | 49th below |
| Deposit Growth (Y/Y) | 1.28% | — | — | 44th below |
See Chambers State Bank's peers by name
The 578 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Chambers State Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Chambers State Bank profile, how to read a UBPR, or how this data updates.