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Chambers State Bank
Chambers, NE · FDIC Certificate #13251 · Chartered 11/0
Total assets
$89.16M
Total deposits
$66.67M
Total equity
$21.83M
Net loans
$65.45M
Branches (offices)
2
Net income (YTD)
$1.19M
Rank: #3,756 of 4,213 U.S. banks by assets · #107 of 138 in Nebraska. Assets changed 2.6% and deposits 1.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.70% |
| Return on equity | 11.16% |
| Net interest margin (YTD) | 5.12% |
| Equity to assets | 24.48% |
| Tier 1 leverage ratio | 24.74% |
| Uninsured deposits (share of deposits) | 17.2% |
| Noncurrent loans (share of loans) | 0.39% |
| Net charge-offs (share of loans) | 0.30% |
| Loans to deposits | 98.2% |
| Real estate loans (share of loans) | 43.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $28.28M | 43.2% | |
| Commercial & industrial | $5.67M | 8.7% | |
| Consumer / individual | $3.14M | 4.8% | |
| Construction & development | $0 | 0.0% | |
| Agricultural | $28.99M | 44.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $78.17M | $60.80M | $559.00K | $17.05M |
| Jun 2023 | $74.59M | $55.97M | $753.00K | $18.23M |
| Jun 2024 | $81.09M | $61.14M | $963.00K | $19.34M |
| Jun 2025 | $86.91M | $65.83M | $962.00K | $20.42M |
| Jun 2026 | $89.16M | $66.67M | $1.19M | $21.83M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Nebraska | $66.67M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $66.67M.
Similar-sized banks
Bandera Bank ($89.28M) · Bank Of Yates City ($89.09M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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