BlastPoint's Banking Scorecard
Chambers State Bank
Designations: ✓ Community bank
Chambers, NE
2 branches across NE
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 536 banks in the under $100M peer group nationwide — 1 of 35 in NE.
- Deposits +1.3% year over year ($66.7M on the books).
- Delinquency rate 0.40%.
- Return on assets 2.70%.
- Efficiency ratio 42.85% vs a 119.40% peer average.
- Loan-to-deposit ratio 98.16% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Chambers State Bank demonstrates 4 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.70% above tier average
- + Net Interest Margin 1.21% above tier average
- + Efficiency Ratio 76.54% below tier average
- + Delinquency Rate 1.08% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$89.2M
+2.6% YoY
+0.5% QoQ
|
+$26.7M |
$62.4M
-0.0% YoY
|
$801.1M
+6.7% YoY
|
$6.3B
+7.7% YoY
|
Top 14.7% in tier |
| Total Loans ? |
$65.4M
+2.5% YoY
+1.3% QoQ
|
+$30.6M |
$34.9M
-0.6% YoY
|
$561.8M
+6.3% YoY
|
$3.2B
+9.4% YoY
|
Top 8.4% in tier |
| Total Deposits ? |
$66.7M
+1.3% YoY
-0.3% QoQ
|
+$15.0M |
$51.6M
-0.2% YoY
|
$663.3M
+6.9% YoY
|
$4.9B
+7.3% YoY
|
69% |
| Return on Assets ? |
2.70%
+20.3% YoY
-10.2% QoQ
|
+1.70% |
1.00%
+3.5% YoY
|
1.39%
+16.4% YoY
|
1.30%
+12.1% YoY
|
Top 4.5% in tier |
| Net Interest Margin ? |
5.12%
+1.8% YoY
-0.3% QoQ
|
+1.21% |
3.91%
+2.3% YoY
|
3.85%
+5.8% YoY
|
3.95%
+4.9% YoY
|
Top 9.1% in tier |
| Efficiency Ratio ? |
42.85%
+0.6% YoY
-6.3% QoQ
|
-76.54% |
119.40%
+49.6% YoY
|
59.13%
-5.1% YoY
|
70.05%
+2.5% YoY
|
Top 3.7% in tier |
| Delinquency Rate ? |
0.40%
+34.1% YoY
-5.9% QoQ
|
-1.08% |
1.48%
+31.8% YoY
|
0.76%
-0.0% YoY
|
0.98%
+16.3% YoY
|
53% |
| Loan-to-Deposit Ratio ? |
98.16%
+1.2% YoY
+1.6% QoQ
|
+23.95% |
74.21%
+12.6% YoY
|
80.90%
+0.2% YoY
|
79.03%
+2.3% YoY
|
Bottom 10.8% in tier |
| Non-Interest-Bearing Deposit Share ? |
31.45%
+15.0% YoY
-7.7% QoQ
|
+7.96% |
23.49%
+0.6% YoY
|
17.56%
-0.6% YoY
|
21.98%
-0.6% YoY
|
79% |
| Nonperforming Asset Ratio ? |
0.29%
+33.9% YoY
-5.2% QoQ
|
-0.54% |
0.84%
+23.0% YoY
|
0.59%
+4.7% YoY
|
0.69%
+15.8% YoY
|
49% |
| Tier 1 Capital Ratio ? |
24.74%
+4.7% YoY
+1.7% QoQ
|
-2.39% |
27.13%
+3.0% YoY
|
14.05%
+0.1% YoY
|
17.09%
+0.8% YoY
|
79% |
| Non-Interest Income / Assets ? |
0.05%
-30.8% YoY
+82.5% QoQ
|
-1.33% |
1.38%
+6.3% YoY
|
0.24%
+7.2% YoY
|
0.66%
+5.2% YoY
|
18% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
31.4%
+4.1pp YoY -2.6pp QoQ |
+6.8pp | 24.6% | 17.6% | 22.2% | 78% |
| Brokered Deposits |
5.9%
-6.9pp YoY 0.0pp QoQ |
-3.9pp | 9.8% | 8.9% | 8.5% | 48% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
8.7%
-0.3pp YoY -1.1pp QoQ |
-4.7pp | 13.4% | 12.3% | 12.5% | 44% |
| CRE | n/a | n/a | 25.2% | 32.3% | 41.4% | n/a |
| 1-4 Family |
4.0%
+0.1pp YoY 0.0pp QoQ |
-31.0pp | 35.0% | 16.9% | 31.3% | 12% |
| Consumer |
4.8%
-0.1pp YoY +0.3pp QoQ |
-2.9pp | 7.7% | 3.1% | 5.0% | 47% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 16.1% | 19.7% | n/a |
| Leverage Ratio |
24.7%
+1.1pp YoY +0.4pp QoQ |
+7.0pp | 17.7% | 12.1% | 12.6% | 90% |
| Total Capital Ratio | n/a | n/a | 39.7% | 17.3% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
10
+1 (+11.1%) YoY +1 (+11.1%) QoQ |
-2 | 12 | 98 | 482 | 43% |
| Assets per Employee ($) |
$8.9M
-7.7% YoY -9.6% QoQ |
+$2.7M | $6.2M | $8.5M | $8.8M | 87% |
| Branch Count |
2
0 YoY 0 QoQ |
+0 | 1 | 7 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.4%
+0.1pp YoY 0.0pp QoQ |
-1.3pp | 1.7% | 0.8% | 1.0% | 34% |
| Allowance Coverage |
2.45x
-27.1% YoY +5.1% QoQ |
-3.96x | 6.41x | 31.69x | 20.23x | 66% |
| Net Charge-off Rate (YTD) |
0.3%
0.0pp YoY -0.3pp QoQ |
+0.1pp | 0.2% | 0.1% | 0.2% | 84% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
11.2%
+1.5pp YoY -1.3pp QoQ |
+4.8pp | 6.4% | 12.3% | 11.6% | 68% |
| Cost of Funds (YTD) |
1.2%
-0.2pp YoY 0.0pp QoQ |
-0.3pp | 1.4% | 1.9% | 1.7% | 35% |
| Net Income ($, YTD) |
$1.2M
+23.3% YoY — QoQ |
+$868K | $317,817 | $6.1M | $40.4M | 98% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.