BlastPoint's Banking Scorecard
Chambers Bank
Designations: ✓ Community bank
Danville, AR
26 branches across AR · TX
Chambers Bank has 4 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.50% above tier average
- + Net Interest Margin 0.50% above tier average
- + Efficiency Ratio 5.77% below tier average
- + Delinquency Rate 0.64% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 23.6% in tier
- - Credit Risk Growth: Bottom 34.5% in tier
- - Margin Compression: Bottom 72.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.6B
+11.1% YoY
+2.8% QoQ
|
-$1.2B |
$2.8B
-0.1% YoY
|
$2.3B
+2.8% YoY
|
$6.2B
+9.1% YoY
|
37% |
| Total Loans ? |
$1.1B
+6.9% YoY
-1.6% QoQ
|
-$865.0M |
$2.0B
+0.6% YoY
|
$1.7B
+6.4% YoY
|
$3.2B
+10.8% YoY
|
38% |
| Total Deposits ? |
$1.3B
+10.9% YoY
+4.2% QoQ
|
-$1.0B |
$2.3B
-0.3% YoY
|
$1.9B
+3.0% YoY
|
$4.8B
+8.2% YoY
|
37% |
| Return on Assets ? |
1.87%
-14.5% YoY
-11.5% QoQ
|
+0.50% |
1.37%
+19.6% YoY
|
1.34%
+14.2% YoY
|
1.23%
+13.4% YoY
|
Top 14.4% in tier |
| Net Interest Margin ? |
4.31%
-0.5% YoY
-5.9% QoQ
|
+0.50% |
3.82%
+6.9% YoY
|
4.08%
+8.2% YoY
|
3.89%
+5.7% YoY
|
83% |
| Efficiency Ratio ? |
55.29%
+8.6% YoY
-0.1% QoQ
|
-5.77% |
61.06%
-4.6% YoY
|
61.77%
-4.8% YoY
|
66.95%
-4.1% YoY
|
63% |
| Delinquency Rate ? |
0.24%
+106.8% YoY
-5.8% QoQ
|
-0.64% |
0.89%
+14.1% YoY
|
1.02%
+24.4% YoY
|
0.95%
+18.8% YoY
|
75% |
| Loan-to-Deposit Ratio ? |
83.75%
-3.6% YoY
-5.6% QoQ
|
-0.45% |
84.20%
+0.3% YoY
|
80.49%
+1.3% YoY
|
76.70%
+0.9% YoY
|
57% |
| Non-Interest-Bearing Deposit Share ? |
12.43%
+1.4% YoY
+3.8% QoQ
|
-8.86% |
21.29%
-2.5% YoY
|
19.62%
+0.8% YoY
|
22.01%
-1.2% YoY
|
17% |
| Nonperforming Asset Ratio ? |
0.18%
+96.0% YoY
-5.5% QoQ
|
-0.49% |
0.67%
+15.6% YoY
|
0.79%
+32.8% YoY
|
0.67%
+19.3% YoY
|
76% |
| Tier 1 Capital Ratio ? |
15.49%
+2.3% YoY
+0.7% QoQ
|
+0.33% |
15.16%
+2.0% YoY
|
13.59%
+0.0% YoY
|
17.06%
+0.8% YoY
|
77% |
| Non-Interest Income / Assets ? |
0.13%
-0.0% YoY
-74.8% QoQ
|
-0.12% |
0.26%
+1.6% YoY
|
0.18%
-3.1% YoY
|
0.32%
+4.1% YoY
|
46% |
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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 (3)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.