BlastPoint's Banking Scorecard
Chambers State Bank
Designations: ✓ Community bank
Chambers, NE
2 branches across NE
Chambers State Bank has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 2.17% above tier average
- + Net Interest Margin 1.28% above tier average
- + Efficiency Ratio 42.62% below tier average
- + Delinquency Rate 0.95% below tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 32.40% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$88.7M
+1.3% YoY
+3.2% QoQ
|
+$26.6M |
$62.2M
-0.6% YoY
|
$791.1M
+6.6% YoY
|
$6.2B
+9.1% YoY
|
Top 14.6% in tier |
| Total Loans ? |
$64.6M
+4.8% YoY
-2.4% QoQ
|
+$30.4M |
$34.2M
-1.4% YoY
|
$551.6M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
Top 8.7% in tier |
| Total Deposits ? |
$66.9M
-0.2% YoY
+3.6% QoQ
|
+$15.1M |
$51.7M
-0.7% YoY
|
$661.1M
+6.6% YoY
|
$4.8B
+8.2% YoY
|
69% |
| Return on Assets ? |
3.00%
+10.8% YoY
+61.8% QoQ
|
+2.17% |
0.84%
-2.3% YoY
|
1.36%
+20.0% YoY
|
1.23%
+13.4% YoY
|
Top 3.1% in tier |
| Net Interest Margin ? |
5.14%
+4.7% YoY
-1.6% QoQ
|
+1.28% |
3.86%
+2.8% YoY
|
3.79%
+6.5% YoY
|
3.89%
+5.7% YoY
|
Top 7.6% in tier |
| Efficiency Ratio ? |
45.72%
+0.5% YoY
-6.2% QoQ
|
-42.62% |
88.34%
+0.3% YoY
|
60.11%
-6.9% YoY
|
66.95%
-4.1% YoY
|
Top 5.4% in tier |
| Delinquency Rate ? |
0.42%
-13.4% YoY
-28.6% QoQ
|
-0.95% |
1.37%
+33.8% YoY
|
0.72%
+6.8% YoY
|
0.95%
+18.8% YoY
|
50% |
| Loan-to-Deposit Ratio ? |
96.61%
+5.0% YoY
-5.8% QoQ
|
+32.40% |
64.22%
-0.7% YoY
|
79.63%
+0.4% YoY
|
76.70%
+0.9% YoY
|
Bottom 9.6% in tier |
| Non-Interest-Bearing Deposit Share ? |
34.09%
+18.4% YoY
+17.5% QoQ
|
+10.37% |
23.71%
+0.3% YoY
|
17.92%
-1.5% YoY
|
22.01%
-1.2% YoY
|
84% |
| Nonperforming Asset Ratio ? |
0.31%
-10.4% YoY
-32.4% QoQ
|
-0.48% |
0.79%
+28.2% YoY
|
0.55%
+6.0% YoY
|
0.67%
+19.3% YoY
|
47% |
| Tier 1 Capital Ratio ? |
24.33%
+4.2% YoY
-1.0% QoQ
|
-2.35% |
26.68%
+2.0% YoY
|
14.10%
+3.9% YoY
|
17.06%
+0.8% YoY
|
79% |
| Non-Interest Income / Assets ? |
0.03%
-18.3% YoY
-86.1% QoQ
|
-0.64% |
0.67%
+1.9% YoY
|
0.12%
+3.0% YoY
|
0.32%
+4.1% YoY
|
21% |
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Signature Analysis
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Concerns (0)
Metric Rankings
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