BlastPoint's Banking Scorecard
Chambers Bank
Community
Specialty: Commercial
AR
FDIC cert 5615
Danville, AR
1484
banks in Community tier nationally
33 in AR
View Community leaderboard (AR) →
Chambers Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 8% in Community
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 39% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.5B
+8.5% YoY
+5.1% QoQ
|
+$136.1M |
$1.4B
+2.0% YoY
|
$2.3B
+2.4% YoY
|
$5.9B
+6.5% YoY
|
70% |
| Total Loans ? |
$1.1B
+8.4% YoY
+1.6% QoQ
|
+$142.6M |
$975.5M
+2.4% YoY
|
$1.6B
+6.2% YoY
|
$3.1B
+8.5% YoY
|
72% |
| Total Deposits ? |
$1.3B
+8.1% YoY
+3.1% QoQ
|
+$95.8M |
$1.2B
+1.7% YoY
|
$1.9B
+3.0% YoY
|
$4.7B
+6.3% YoY
|
70% |
| Return on Assets ? |
2.11%
+32.6% YoY
-2.1% QoQ
|
+0.95% |
1.16%
+17.2% YoY
|
1.19%
+9.0% YoY
|
1.12%
+15.6% YoY
|
Top 7% in tier |
| Net Interest Margin ? |
4.58%
+3.6% YoY
-0.0% QoQ
|
+0.92% |
3.66%
+9.1% YoY
|
4.00%
+8.5% YoY
|
3.75%
+7.1% YoY
|
Top 11% in tier |
| Efficiency Ratio ? |
55.35%
-2.3% YoY
+3.7% QoQ
|
-7.28% |
62.63%
-5.3% YoY
|
63.04%
-5.8% YoY
|
65.09%
-5.1% YoY
|
72% |
| Delinquency Rate ? |
0.26%
+82.3% YoY
+20.3% QoQ
|
-0.37% |
0.63%
+18.3% YoY
|
0.91%
+44.6% YoY
|
0.66%
+20.3% YoY
|
65% |
| Loan-to-Deposit Ratio ? |
88.71%
+0.3% YoY
-1.5% QoQ
|
+5.64% |
83.06%
+0.3% YoY
|
80.90%
+1.0% YoY
|
78.04%
+0.7% YoY
|
39% |
| Non-Interest-Bearing Deposit Share ? |
11.97%
+0.9% YoY
-3.9% QoQ
|
-9.08% |
21.05%
-0.9% YoY
|
19.14%
-0.5% YoY
|
21.79%
-1.3% YoY
|
15% |
| Nonperforming Asset Ratio ? |
0.19%
+82.1% YoY
+16.3% QoQ
|
-0.31% |
0.50%
+20.3% YoY
|
0.66%
+38.2% YoY
|
0.48%
+20.8% YoY
|
66% |
| Tier 1 Capital Ratio ? |
15.39%
+3.0% YoY
+1.0% QoQ
|
+5.14% |
10.24%
-0.6% YoY
|
7.07%
-13.2% YoY
|
9.75%
-1.9% YoY
|
79% |
| Non-Interest Income / Assets ? |
0.53%
-1.3% YoY
+31.1% QoQ
|
-0.21% |
0.74%
-1.3% YoY
|
0.76%
-21.3% YoY
|
0.65%
+0.6% YoY
|
52% |
Signature Analysis
Strengths (1)
Profitability Leader
growth
#32 of 371 · Top 8% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
2.11%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank improving
Concerns (1)
Credit Risk Growth
risk
#249 of 642 · Bottom 39% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
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
93
93th pctile
Return on Assets
Current: 2.11% · Tier avg: 1.16%
89
89th pctile
Net Interest Margin
Current: 4.58% · Tier avg: 3.66%
79
79th pctile
Tier 1 Capital Ratio
Current: 15.39% · Tier avg: 10.24%
72
72th pctile
Total Loans
Current: $1.1B · Tier avg: $975.5M
72
72th pctile
Efficiency Ratio
Current: 55.35% · Tier avg: 62.63%
70
70th pctile
Total Assets
Current: $1.5B · Tier avg: $1.4B
70
70th pctile
Total Deposits
Current: $1.3B · Tier avg: $1.2B
66
66th pctile
Nonperforming Asset Ratio
Current: 0.19% · Tier avg: 0.50%
65
65th pctile
Delinquency Rate
Current: 0.26% · Tier avg: 0.63%
52
52th pctile
Non-Interest Income / Assets
Current: 0.53% · Tier avg: 0.74%
39
39th pctile
Loan-to-Deposit Ratio
Current: 88.71% · Tier avg: 83.06%
15
15th pctile
Non-Interest-Bearing Deposit Share
Current: 11.97% · Tier avg: 21.05%
Top Weaknesses
15
15th pctile
Non-Interest-Bearing Deposit Share
Current: 11.97% · Tier avg: 21.05%
39
39th pctile
Loan-to-Deposit Ratio
Current: 88.71% · Tier avg: 83.06%
52
52th pctile
Non-Interest Income / Assets
Current: 0.53% · Tier avg: 0.74%
65
65th pctile
Delinquency Rate
Current: 0.26% · Tier avg: 0.63%
66
66th pctile
Nonperforming Asset Ratio
Current: 0.19% · Tier avg: 0.50%
70
70th pctile
Total Deposits
Current: $1.3B · Tier avg: $1.2B
70
70th pctile
Total Assets
Current: $1.5B · Tier avg: $1.4B
72
72th pctile
Efficiency Ratio
Current: 55.35% · Tier avg: 62.63%
72
72th pctile
Total Loans
Current: $1.1B · Tier avg: $975.5M
79
79th pctile
Tier 1 Capital Ratio
Current: 15.39% · Tier avg: 10.24%
89
89th pctile
Net Interest Margin
Current: 4.58% · Tier avg: 3.66%
93
93th pctile
Return on Assets
Current: 2.11% · Tier avg: 1.16%