Chambers State Bank: how it compares with its peers
Against 47 NE banks with half to twice its assets, Chambers State Bank's strongest measure in Q2 2026 is net interest margin (5.12% vs. a 3.85% peer median). Its weakest relative measure is assets per employee ($8.9M vs. $7.9M).
| Measure | Chambers State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.70% | 1.29% | Top third Ahead of 94% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.12% | 3.85% | Top third Ahead of 96% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 42.85% | 63.15% | Top third Ahead of 91% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.9M | $7.9M | Top third Ahead of 68% of peers |
| Loans to deposits Net loans and leases over total deposits. | 98.16% | 77.81% | Context |
What it means for lending operations
Its efficiency ratio of 42.85% is better than the 63.15% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Thayer County Bank Hebron, NE · $88M
- Siouxland Bank South Sioux City, NE · $88M
- Bank of Elgin Elgin, NE · $87M
- First Bank and Trust Company Minden, NE · $91M
- Scribner Bank Scribner, NE · $87M
Questions about Chambers State Bank
How big is Chambers State Bank?
Chambers State Bank, established in 1901, is headquartered in Chambers, NE. It reported $89M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Chambers State Bank's return on assets?
2.70% annualized in Q2 2026, against a 1.29% median for 47 NE banks with half to twice its assets, ahead of 94% of them.
What is Chambers State Bank's efficiency ratio?
42.85% in Q2 2026: it spent about 43 cents in noninterest expense for each dollar of revenue. The peer median is 63.15%, and lower is better.
Is Chambers State Bank growing its loans?
Net loans grew 2.5% over the year to Q2 2026, while deposits grew 1.3%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are NE banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Nebraska bank ranked.