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Chambers Bank

$1B-$10B Specialty: Commercial AR FDIC cert 5615

Designations: ✓ Community bank

Danville, AR

26 branches across AR · TX

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 885 banks in the $1B-$10B peer group nationwide — 1 of 20 in AR.
  • Deposits +14.2% year over year ($1.3B on the books).
  • Delinquency rate 0.23%.
  • Return on assets 1.76%.
  • Efficiency ratio 57.44% vs a 59.73% peer average.
  • Loan-to-deposit ratio 86.67% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 20 in AR
View $1B-$10B leaderboard (AR) →

Chambers Bank has 4 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Credit Quality Leader: Top 9.0% in tier
  • + ROA 0.37% above tier average
  • + Net Interest Margin 0.48% above tier average
  • + Efficiency Ratio 2.29% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 11.2% in tier
  • - Credit Risk Growth: Bottom 35.8% in tier
  • - Margin Compression: Bottom 63.5% in tier
Get updates when Chambers Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
Total Assets ? $1.6B
+12.2% YoY +1.1% QoQ
-$1.2B $2.8B
-0.6% YoY
$2.4B
+2.9% YoY
$6.3B
+7.7% YoY
38%
Total Loans ? $1.1B
+8.4% YoY +4.4% QoQ
-$814.7M $2.0B
-0.3% YoY
$1.7B
+5.8% YoY
$3.2B
+9.4% YoY
40%
Total Deposits ? $1.3B
+14.2% YoY +0.9% QoQ
-$993.7M $2.3B
-0.5% YoY
$2.0B
+2.5% YoY
$4.9B
+7.3% YoY
38%
Return on Assets ? 1.76%
-16.1% YoY -5.7% QoQ
+0.37% 1.39%
+17.0% YoY
1.32%
+8.9% YoY
1.30%
+12.1% YoY
81%
Net Interest Margin ? 4.35%
-3.7% YoY +0.9% QoQ
+0.48% 3.87%
+6.2% YoY
4.10%
+6.0% YoY
3.95%
+4.9% YoY
82%
Efficiency Ratio ? 57.44%
+8.0% YoY +3.9% QoQ
-2.29% 59.73%
-12.6% YoY
61.09%
-4.5% YoY
70.05%
+2.5% YoY
56%
Delinquency Rate ? 0.23%
+19.3% YoY -5.9% QoQ
-0.64% 0.87%
+11.7% YoY
1.05%
+22.1% YoY
0.98%
+16.3% YoY
76%
Loan-to-Deposit Ratio ? 86.67%
-5.1% YoY +3.5% QoQ
+1.64% 85.04%
-0.1% YoY
82.37%
+1.8% YoY
79.03%
+2.3% YoY
51%
Non-Interest-Bearing Deposit Share ? 13.91%
+3.4% YoY +11.9% QoQ
-7.36% 21.27%
-1.5% YoY
19.62%
+0.3% YoY
21.98%
-0.6% YoY
24%
Nonperforming Asset Ratio ? 0.20%
+36.0% YoY +13.5% QoQ
-0.47% 0.67%
+11.7% YoY
0.84%
+30.0% YoY
0.69%
+15.8% YoY
72%
Tier 1 Capital Ratio ? 15.47%
+1.7% YoY -0.1% QoQ
+0.63% 14.84%
-0.4% YoY
13.64%
+0.9% YoY
17.09%
+0.8% YoY
77%
Non-Interest Income / Assets ? 0.27%
-3.1% YoY +100.4% QoQ
-0.26% 0.53%
+2.5% YoY
0.36%
-4.6% YoY
0.66%
+5.2% YoY
44%

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 (AR) National Avg Tier Percentile
Noninterest-Bearing 13.9%
+0.5pp YoY
+1.5pp QoQ
 -7.5pp 21.4% 19.6% 22.2% 23%
Brokered Deposits 1.6%
-2.3pp YoY
-0.9pp QoQ
 -7.9pp 9.5% 7.2% 8.5% 24%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
C&I 16.1%
+3.8pp YoY
-0.1pp QoQ
 +2.1pp 14.0% 12.7% 12.5% 70%
CRE 63.1%
-3.1pp YoY
+0.6pp QoQ
 +13.0pp 50.0% 41.0% 41.4% 80%
1-4 Family 17.3%
-1.1pp YoY
-0.6pp QoQ
 -9.1pp 26.4% 28.1% 31.3% 36%
Consumer 0.8%
0.0pp YoY
0.0pp QoQ
 -3.9pp 4.7% 4.5% 5.0% 40%

Capital

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
CET1 Ratio 15.5%
+0.3pp YoY
0.0pp QoQ
 -0.1pp 15.6% 15.1% 19.7% 74%
Leverage Ratio 12.6%
-0.6pp YoY
+0.1pp QoQ
 +1.3pp 11.3% 11.9% 12.6% 81%
Total Capital Ratio 16.6%
+0.3pp YoY
-0.1pp QoQ
 -0.1pp 16.7% 16.3% 20.8% 74%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
Full-Time Employees 248
+3 (+1.2%) YoY
-7 (-2.7%) QoQ
 -66 313 315 482 54%
Assets per Employee ($) $6.4M
+10.9% YoY
+4.0% QoQ
 -$4.1M $10.5M $6.7M $8.8M 16%
Branch Count 26
-1 (-3.7%) YoY
0 QoQ
 +6 20 25 18 77%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.2% 0.1% 0.4% n/a
Nonaccrual 0.2%
0.0pp YoY
0.0pp QoQ
 -0.6pp 0.8% 1.1% 1.0% 24%
Allowance Coverage 4.78x
-25.4% YoY
+2.4% QoQ
 -13.93x 18.71x 4.69x 20.23x 77%
Net Charge-off Rate (YTD) 0.0%
+0.1pp YoY
0.0pp QoQ
 -0.2pp 0.3% 0.2% 0.2% 37%

Profitability

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
ROE 13.7%
-2.5pp YoY
-0.8pp QoQ
 +1.1pp 12.6% 12.3% 11.6% 64%
Cost of Funds (YTD) 2.2%
-0.1pp YoY
0.0pp QoQ
 +0.3pp 1.9% 2.0% 1.7% 70%
Net Income ($, YTD) $13.8M
-7.2% YoY
— QoQ
 -$5.5M $19.2M $16.0M $40.4M 56%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth
#21 of 221 • Top 9.0% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.23%
(Tier: 0.87%, National: 0.98%)
better than tier avg
221 of 221 Mid-Market banks match · 920 nationally
→ Stable +1 banks QoQ

Concerns (3)

Credit Quality Pressure

risk
#56 of 492 • Bottom 11.2% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.23%
(Tier: 0.87%, National: 0.98%)
better than tier avg
492 of 492 Mid-Market banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Credit Risk Growth

risk
#145 of 402 • Bottom 35.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally
→ Stable -58 banks QoQ

Margin Compression

decline
#55 of 85 • Bottom 63.5% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 1.76%
(Tier: 1.39%, National: 1.30%)
better than tier avg
85 of 85 Mid-Market banks match · 413 nationally
→ Stable +8 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (4 metrics)

156
Net Interest Margin
profitability
Value: 4.35%
Peer Median: 3.87%
#156 of 885 Top 17.5% in $1B-$10B
171
Return on Assets
profitability
Value: 1.76%
Peer Median: 1.39%
#171 of 885 Top 19.2% in $1B-$10B
203
Tier 1 Capital Ratio
capital
Value: 15.47%
Peer Median: 14.84%
#203 of 885 Top 22.8% in $1B-$10B
212
Delinquency Rate
credit_quality
Value: 0.23%
Peer Median: 0.87%
#212 of 882 Top 23.9% in $1B-$10B

Top Weaknesses (1 metrics)

678
Non-Interest-Bearing Deposit Share
funding
Value: 13.91%
Peer Median: 21.27%
#678 of 885 Bottom 23.5% in $1B-$10B
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