Side-by-side · Q2 2026 data
Chambers Bank vs The Community State Bank
Metric by metric
| Measure | Chambers Bank | The Community State Bank |
|---|---|---|
| TellerScore | 81 (stronger) | 66 |
| Capital cushion | 76 (stronger) | 41 |
| Loan quality | 92 (stronger) | 91 |
| Earnings | 91 (stronger) | 54 |
| Funding & liquidity | 46 | 71 (stronger) |
| Problem-loan coverage | 97 (stronger) | 93 |
| Peer percentile | 91st | 31st |
| Total assets | $1.6B | $393.1M |
| Deposits / shares | $1.3B | $363.3M |
| Capital ratio | 12.57% (stronger) | 9.05% |
| Problem loans | 0.23% (stronger) | 0.26% |
| Net charge-offs | 0.02% (stronger) | 0.11% |
| Return on assets | 1.76% (stronger) | 0.84% |
| Loans ÷ deposits | 86.7% | 79.3% (stronger) |
| Uninsured deposits | 40.2% | 23.8% (stronger) |
| Offices | 24 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.0% | — |
Chambers Bank has the higher TellerScore (81 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Chambers Bank leads on 5 and The Community State Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.