BlastPoint's Banking Scorecard
Chambers State Bank
Micro
Specialty: Agricultural
NE
FDIC cert 13251
Designations: ✓ Community bank
Chambers, NE
2498
banks in Micro tier nationally
97 in NE
View Micro leaderboard (NE) →
Chambers State Bank demonstrates 3 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.37% above tier
- + Efficiency Ratio 18.99% below tier
- + Loan-to-Deposit Ratio 28.06% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$86.0M
+3.6% YoY
+3.2% QoQ
|
-$131.5M |
$217.5M
+2.3% YoY
|
$784.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
18% |
| Total Loans ? |
$66.2M
+7.4% YoY
-0.4% QoQ
|
-$73.0M |
$139.2M
+2.8% YoY
|
$552.2M
+6.8% YoY
|
$3.1B
+8.5% YoY
|
27% |
| Total Deposits ? |
$64.5M
+2.7% YoY
+4.8% QoQ
|
-$119.1M |
$183.7M
+1.8% YoY
|
$649.0M
+5.0% YoY
|
$4.7B
+6.3% YoY
|
15% |
| Return on Assets ? |
1.86%
+0.3% YoY
-14.1% QoQ
|
+0.77% |
1.08%
+14.7% YoY
|
1.20%
+15.2% YoY
|
1.12%
+15.6% YoY
|
Top 13% in tier |
| Net Interest Margin ? |
5.22%
+4.6% YoY
+0.6% QoQ
|
+1.37% |
3.85%
+6.6% YoY
|
3.74%
+7.8% YoY
|
3.75%
+7.1% YoY
|
Top 6% in tier |
| Efficiency Ratio ? |
48.74%
-7.5% YoY
+23.9% QoQ
|
-18.99% |
67.73%
-4.8% YoY
|
61.59%
-6.3% YoY
|
65.09%
-5.1% YoY
|
Top 9% in tier |
| Delinquency Rate ? |
0.59%
-12.2% YoY
+105.6% QoQ
|
-0.05% |
0.64%
+24.4% YoY
|
0.29%
+38.1% YoY
|
0.66%
+20.3% YoY
|
41% |
| Loan-to-Deposit Ratio ? |
102.59%
+4.5% YoY
-4.9% QoQ
|
+28.06% |
74.53%
+0.5% YoY
|
82.86%
+0.3% YoY
|
78.04%
+0.7% YoY
|
Top 7% in tier |
| Non-Interest-Bearing Deposit Share ? |
29.01%
-0.8% YoY
+7.5% QoQ
|
+6.61% |
22.39%
-1.3% YoY
|
18.22%
-2.1% YoY
|
21.79%
-1.3% YoY
|
76% |
| Nonperforming Asset Ratio ? |
0.46%
-9.1% YoY
+98.4% QoQ
|
0 |
0.45%
+25.1% YoY
|
0.26%
+54.6% YoY
|
0.48%
+20.8% YoY
|
39% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
6.79%
+0.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.19%
-4.1% YoY
+79.9% QoQ
|
-0.37% |
0.56%
+0.3% YoY
|
0.47%
-3.0% YoY
|
0.65%
+0.6% YoY
|
22% |
Signature Analysis
Strengths (3)
Net Interest Margin
metric
Top 6%
in Micro
Why this stands out
Current:
5.22%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Top 9%
in Micro
Why this stands out
Current:
48.74%
(Tier avg: 67.73%, National avg: 65.09%)
Loan-to-Deposit Ratio
metric
Top 7%
in Micro
Why this stands out
Current:
102.59%
(Tier avg: 74.53%, National avg: 78.04%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
94
94th pctile
Net Interest Margin
Current: 5.22% · Tier avg: 3.85%
93
93th pctile
Loan-to-Deposit Ratio
Current: 102.59% · Tier avg: 74.53%
91
91th pctile
Efficiency Ratio
Current: 48.74% · Tier avg: 67.73%
87
87th pctile
Return on Assets
Current: 1.86% · Tier avg: 1.08%
76
76th pctile
Non-Interest-Bearing Deposit Share
Current: 29.01% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
41
41th pctile
Delinquency Rate
Current: 0.59% · Tier avg: 0.64%
39
39th pctile
Nonperforming Asset Ratio
Current: 0.46% · Tier avg: 0.45%
27
27th pctile
Total Loans
Current: $66.2M · Tier avg: $139.2M
22
22th pctile
Non-Interest Income / Assets
Current: 0.19% · Tier avg: 0.56%
18
18th pctile
Total Assets
Current: $86.0M · Tier avg: $217.5M
15
15th pctile
Total Deposits
Current: $64.5M · Tier avg: $183.7M
Top Weaknesses
15
15th pctile
Total Deposits
Current: $64.5M · Tier avg: $183.7M
18
18th pctile
Total Assets
Current: $86.0M · Tier avg: $217.5M
22
22th pctile
Non-Interest Income / Assets
Current: 0.19% · Tier avg: 0.56%
27
27th pctile
Total Loans
Current: $66.2M · Tier avg: $139.2M
39
39th pctile
Nonperforming Asset Ratio
Current: 0.46% · Tier avg: 0.45%
41
41th pctile
Delinquency Rate
Current: 0.59% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
76
76th pctile
Non-Interest-Bearing Deposit Share
Current: 29.01% · Tier avg: 22.39%
87
87th pctile
Return on Assets
Current: 1.86% · Tier avg: 1.08%
91
91th pctile
Efficiency Ratio
Current: 48.74% · Tier avg: 67.73%
93
93th pctile
Loan-to-Deposit Ratio
Current: 102.59% · Tier avg: 74.53%
94
94th pctile
Net Interest Margin
Current: 5.22% · Tier avg: 3.85%