Chambers Bank: how it compares with its peers
Against 20 AR banks with half to twice its assets, Chambers Bank's strongest measure in Q2 2026 is return on assets (1.76% vs. a 1.41% peer median). Its weakest relative measure is assets per employee ($6.4M vs. $6.9M).
| Measure | Chambers Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.76% | 1.41% | Top third Ahead of 80% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.35% | 4.00% | Top third Ahead of 75% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 57.44% | 57.61% | Middle third Ahead of 55% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.4M | $6.9M | Middle third Ahead of 35% of peers |
| Loans to deposits Net loans and leases over total deposits. | 86.67% | 89.58% | Context |
What it means for lending operations
Its efficiency ratio of 57.44% is better than the 57.61% 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
- The Citizens Bank Batesville, AR · $1.62B
- Signature Bank of Arkansas Fayetteville, AR · $1.63B
- Relyance Bank White Hall, AR · $1.43B
- Fm Bank And Trust Blytheville, AR · $1.36B
- Legacy Bank Springdale, AR · $1.27B
- Evolve Bank & Trust West Memphis, AR · $1.19B
Questions about Chambers Bank
How big is Chambers Bank?
Chambers Bank, established in 1930, is headquartered in Danville, AR. It reported $1.59B in total assets in its Q2 2026 FDIC call report and operates 26 offices.
What is Chambers Bank's return on assets?
1.76% annualized in Q2 2026, against a 1.41% median for 20 AR banks with half to twice its assets, ahead of 80% of them.
What is Chambers Bank's efficiency ratio?
57.44% in Q2 2026: it spent about 57 cents in noninterest expense for each dollar of revenue. The peer median is 57.61%, and lower is better.
Is Chambers Bank growing its loans?
Net loans grew 8.4% over the year to Q2 2026, while deposits grew 14.2%.
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 AR 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 Arkansas bank ranked.