TellerScore

Chambers Bank (FDIC certificate #5615) is based in Danville, Arkansas. Its Q2 2026 call report shows $1.6B in total assets and $1.3B in deposits and 26 offices across 2 states.

Chambers Bank has a TellerScore of 81 out of 100 (strong) based on Q2 2026 data — higher than 91% of its 897 banks with $1 billion – $10 billion. Among 78 banks headquartered in Arkansas, it ranks 14th. Problem-loan coverage contributes the most (97/100, 1.5%); funding & liquidity contributes the least (46/100, 87% loans-to-deposits, 40% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion76/100
Tier 1 leverage ratio: 12.57%
Loan quality92/100
Noncurrent loans ÷ total loans: 0.23%
Earnings91/100
Return on assets (annualized): 1.76%
Funding & liquidity46/100
Loans ÷ deposits and uninsured-deposit share: 86.7% · 40.2% uninsured
Problem-loan coverage97/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.50%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 3 points (84 → 81), mostly because the earnings component weakened by 9 points.

TellerScore
778184Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202477
Q3 202479
Q4 202479
Q1 202584
Q2 202584
Q3 202584
Q4 202584
Q1 202682
Q2 202681
Tier 1 leverage ratio
5.00%9.16%13.33%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202412.47%
Q3 202412.74%
Q4 202412.46%
Q1 202512.77%
Q2 202513.14%
Q3 202513.33%
Q4 202513.17%
Q1 202612.47%
Q2 202612.57%
Noncurrent loans
0.12%0.21%0.31%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.31%
Q3 20240.30%
Q4 20240.14%
Q1 20250.12%
Q2 20250.19%
Q3 20250.21%
Q4 20250.26%
Q1 20260.24%
Q2 20260.23%
Return on assets
1.58%1.88%2.19%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.58%
Q3 20241.70%
Q4 20241.59%
Q1 20252.19%
Q2 20252.10%
Q3 20252.16%
Q4 20252.11%
Q1 20261.87%
Q2 20261.76%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202681$1.6B12.57%0.23%1.76%86.7%
Q1 202682$1.6B12.47%0.24%1.87%83.7%
Q4 202584$1.5B13.17%0.26%2.11%88.7%
Q3 202584$1.5B13.33%0.21%2.16%90.0%
Q2 202584$1.4B13.14%0.19%2.10%91.4%
Q1 202584$1.4B12.77%0.12%2.19%86.9%
Q4 202479$1.4B12.46%0.14%1.59%88.5%
Q3 202479$1.4B12.74%0.30%1.70%89.5%
Q2 202477$1.3B12.47%0.31%1.58%93.6%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio12.57%
81st
Total risk-based capital16.57%
80th
Problem loans0.23%
75th
Net charge-offs0.02%
60th
Return on assets1.76%
81st
Net interest margin4.35%
83rd
Efficiency ratio57.4%
56th
Loans to deposits86.7%
51st
Uninsured deposits40.2%
26th
Loan-loss reserves1.09%
42nd
Texas ratio1.5%
76th

Similar-size banks in Arkansas

InstitutionScoreAssetsCapitalProblem loansCompare
The Citizens BankBank Batesville, AR70 out of 100, Strong$1.6B8.9%0.37%vs
Signature Bank of ArkansasBank Fayetteville, AR67 out of 100, Moderate$1.6B9.6%0.04%vs
Relyance BankBank White Hall, AR76 out of 100, Strong$1.4B13.3%0.40%vs
Fm Bank And TrustBank Blytheville, AR69 out of 100, Moderate$1.4B8.6%0.52%vs
Legacy BankBank Springdale, AR65 out of 100, Moderate$1.3B8.8%0.10%vs
Evolve Bank & TrustBank West Memphis, AR50 out of 100, Below average$1.2B12.9%1.88%vs

Deposit insurance

Is my money safe at Chambers Bank?

Yes. Chambers Bank is an FDIC-insured institution (FDIC certificate #5615). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 40.2% of deposits ($533.1M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.57%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.57% (benchmark: 10%).

Check how much of your own balance is covered

26 locations

Branches

Chambers Bank lists 24 offices in 20 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Chambers Bank reported 449 home-loan applications under HMDA (LEI 54930039OWZFM2IGRN69): 357 originated ($117,455,000 total), 45 denied, and 39 withdrawn or closed by the applicant. Its denial rate on decided applications was 11.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Chambers Bank
Former names
Danville State Bank
Type
State-chartered bank (Fed member)
FDIC certificate #
5615
RSSD ID
517049
Primary regulator
FED
Holding company
Chambers Bancshares Inc
Established
October 7, 1930
Headquarters
901 Main St, Danville, AR 72833
Employees
248

Quick answers

Chambers Bank: common questions

Is Chambers Bank FDIC insured?

Yes. Chambers Bank is an FDIC-insured institution (FDIC certificate #5615). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Chambers Bank's TellerScore?

81 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Chambers Bank ever failed?

There is no failure record for FDIC certificate #5615 in the FDIC failed bank list.

How many branches does Chambers Bank have?

26 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Danville

InstitutionScoreAssetsCapitalProblem loansCompare
FSNB, National AssociationBank Lawton, OK96 out of 100, Very strong$478.3M17.5%0.36%vs
First Security BankBank Searcy, AR92 out of 100, Very strong$8.6B15.6%0.14%vs
Telcoe Federal Credit UnionCredit union Little Rock, AR89 out of 100, Very strong$503.4M20.2%0.12%vs
Logan County BankBank Scranton, AR88 out of 100, Very strong$120.8M16.9%0.18%vs
Subiaco Federal Credit UnionCredit union Subiaco, AR84 out of 100, Strong$27.1M16.1%0.62%vs
Union BankBank Mena, AR82 out of 100, Strong$710.2M11.4%0.26%vs