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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Chambers, NE · FDIC certificate #13251
CHAMBERS STATE BANK is an FDIC-insured institution based in Chambers, NE (FDIC certificate #13251). In its Q3 2026 Call Report it reported total assets of $87M, total deposits of $64M and net loans of $69M. Its primary federal regulator is FDIC.
Plain-language readout
CHAMBERS STATE BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $89M in Q2 2026 and were lowest at $87M in Q3 2026.
Total deposits were highest at $67M in Q1 2026 and lowest at $64M in Q3 2026.
Over the whole period total assets fell 2.0%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $87M | $64M | $69M | 2.39% | 9.77% | 5.23% |
| Q2 2026 | $89M | $67M | $65M | 2.70% | 11.16% | 5.12% |
| Q1 2026 | $89M | $67M | $65M | 3.00% | 12.51% | 5.14% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $14.7M | $13.6M | +$1.1M | +8.3% |
| Federal funds sold | $5.5M | $7.2M | -$1.7M | -23.6% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $1.8M | $1.8M | +$1K | +0.1% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $65.4M | $64.6M | +$828K | +1.3% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $64K | $77K | -$13K | -16.9% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $1.6M | $1.4M | +$184K | +12.9% |
| Total assets | $89.2M | $88.7M | +$426K | +0.5% |
| Liabilities | ||||
| Total deposits | $66.7M | $66.9M | -$211K | -0.3% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $654K | $547K | +$107K | +19.6% |
| Total liabilities | $67.3M | $67.4M | -$104K | -0.2% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $200K | $200K | $0K | 0.0% |
| Surplus | $800K | $800K | $0K | 0.0% |
| Retained earnings | $20.8M | $20.3M | +$530K | +2.6% |
| Accumulated other comprehensive income | $0K | $0K | $0K | n/a |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $21.8M | $21.3M | +$530K | +2.5% |
| Credit and capital | ||||
| Gross nonperforming assets | $261K | $274K | -$13K | -4.7% |
| Adjusted nonperforming assets | $261K | $274K | -$13K | -4.7% |
| Tangible equity plus allowance | $22.5M | $21.9M | +$531K | +2.4% |
| Texas ratio (gross) | 1.16% | 1.25% | -0.09 pts | See points |
| Texas ratio (adjusted) | 1.16% | 1.25% | -0.09 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 1.16% | 1.25% | -0.09 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 24.74% | 24.33% | +0.41 pts | See points |
| Construction and land loans to total capital | 0.00% | 0.00% | 0.00 pts | See points |
| Commercial real estate to total capital | 0.00% | 0.00% | 0.00 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -0.11% | -0.06% | -0.05 pts | See points |
| Liquidity | ||||
| Core deposits | $55.4M | $54.8M | +$552K | +1.0% |
| Non-core funding | $11.3M | $12.1M | -$763K | -6.3% |
| Loans to core deposits | 119.37% | 119.06% | +0.31 pts | See points |
| Loans to deposits | 99.12% | 97.57% | +1.55 pts | See points |
| Brokered deposits share of deposits | 5.90% | 5.89% | +0.02 pts | See points |
| Pledged securities share of securities | 99.94% | 100.00% | -0.06 pts | See points |
| Loans pledged, share of loans | 0.00% | 0.00% | 0.00 pts | See points |
| Volatile liabilities | $11.3M | $12.1M | -$763K | -6.3% |
| Earnings | ||||
| Earnings before provision, year to date | $1.3M | $596K | +$663K | +111.2% |
| Earnings before provision, single quarter | $663K | $596K | +$67K | +11.2% |
| Provision for credit losses, year to date | $100K | $100K | $0K | 0.0% |
| Yield and cost | ||||
| Yield on loans and leases | 6.93% | 6.91% | +0.02 pts | See points |
| Yield on interest-bearing balances due from banks | 4.12% | 3.85% | +0.27 pts | See points |
| Total interest income to average assets | 6.07% | 5.96% | +0.11 pts | See points |
| Cost of interest-bearing transaction accounts | 0.42% | 0.39% | +0.04 pts | See points |
| Cost of savings and money market deposits | 0.48% | 0.55% | -0.07 pts | See points |
| Cost of time deposits | 3.83% | 3.33% | +0.50 pts | See points |
| Total interest expense to average assets | 1.15% | 1.06% | +0.10 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $87M | $64M | $69M | 2.39% | 9.77% | 5.23% |
| 2026-06-30 | $89M | $67M | $65M | 2.70% | 11.16% | 5.12% |
| 2026-03-31 | $89M | $67M | $65M | 3.00% | 12.51% | 5.14% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| NE | $65.8M | 0.07% | 122 | Continuing · +0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.