Side-by-side · Q2 2026 data
The First National Bank of Fort Smith vs Chambers Bank
Metric by metric
| Measure | The First National Bank of Fort Smith | Chambers Bank |
|---|---|---|
| TellerScore | 78 | 81 (stronger) |
| Capital cushion | 61 | 76 (stronger) |
| Loan quality | 85 | 92 (stronger) |
| Earnings | 100 (stronger) | 91 |
| Funding & liquidity | 60 (stronger) | 46 |
| Problem-loan coverage | 95 | 97 (stronger) |
| Peer percentile | 86th | 91st |
| Total assets | $2.3B | $1.6B |
| Deposits / shares | $2.0B | $1.3B |
| Capital ratio | 11.08% | 12.57% (stronger) |
| Problem loans | 0.44% | 0.23% (stronger) |
| Net charge-offs | 0.03% | 0.02% (stronger) |
| Return on assets | 2.04% (stronger) | 1.76% |
| Loans ÷ deposits | 77.4% (stronger) | 86.7% |
| Uninsured deposits | 35.6% (stronger) | 40.2% |
| Offices | 24 | 24 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.2% | 11.0% |
Chambers Bank has the higher TellerScore (81 vs 78). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Fort Smith leads on 3 and Chambers Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.