Chambers State Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 11.98 percentage points higher than in Q1 2026, at 244.83%. Among 138 Nebraska banks, Chambers State Bank sits 8th from the top on return on assets, 2.40% as of Q2 2026. Against a median of 1.00% for banks in the < $100M asset tier, Chambers State Bank reported 2.40% on return on assets in Q2 2026, 1.40 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 24.74% |
| Equity capital to assets | 24.48% |
| Tangible equity to tangible assets | 24.48% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.39% |
| Non-performing assets ratio | 0.29% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 1.16% |
| Allowance for credit losses to loans | 0.97% |
| Reserve coverage of non-performing loans | 244.83% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.40% |
| Return on equity | 9.83% |
| Net interest margin | 5.01% |
| Efficiency ratio | 39.99% |
| Yield on earning assets | 6.19% |
| Cost of funds | 1.51% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 99.12% |
| Core deposits to total deposits | 84.91% |
| Brokered deposits to total deposits | 5.90% |
| Deposits to assets | 74.78% |
| Securities to assets | 2.02% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 24.83% | 1.51% | 4.60% | 0.11% | 0.00% |
| Q4 2023 | 24.27% | 0.34% | 4.73% | 0.08% | 0.00% |
| Q1 2024 | 23.97% | 2.79% | 4.80% | 0.09% | -0.01% |
| Q2 2024 | 24.46% | 2.09% | 4.92% | 0.10% | 0.01% |
| Q3 2024 | 24.82% | 1.61% | 5.02% | 0.30% | 0.00% |
| Q4 2024 | 23.83% | 0.98% | 4.90% | 0.67% | 0.00% |
| Q1 2025 | 23.36% | 2.70% | 4.80% | 0.28% | 0.00% |
| Q2 2025 | 23.64% | 1.78% | 5.05% | 0.29% | 0.66% |
| Q3 2025 | 24.67% | 1.99% | 5.31% | 0.28% | 0.00% |
| Q4 2025 | 24.57% | 0.97% | 5.27% | 0.59% | 0.00% |
| Q1 2026 | 24.33% | 3.00% | 5.04% | 0.42% | 0.62% |
| Q2 2026 | 24.74% | 2.40% | 5.01% | 0.39% | -0.01% |
Chambers State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Chambers State Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Chambers State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13251) · FFIEC NIC profile (RSSD 416357)