Chambers Bank (FDIC #5615): Bank Stress & Real-Estate Credit Exposure

Chambers Bank (FDIC Cert #5615): bank stress 45/100, moderate, STABLE over 7 days; parent CHAMBERS BANCSHARES INC.

Chambers Bank (#5615) lends in 12 counties across 2 states; Chambers Bank (#5615) reaches 231 ZIP codes: Arkansas 11 counties, 136 ZIPs; Texas 1 county, 95 ZIPs.

Chambers Bank (#5615) largest markets: Dallas County, TX (95 branches, 95 ZIPs) (#5615), Benton County, AR (22 branches, 22 ZIPs) (#5615), Washington County, AR (60 branches, 20 ZIPs) (#5615), Sebastian County, AR (34 branches, 17 ZIPs) (#5615), Faulkner County, AR (15 branches, 15 ZIPs) (#5615), Yell County, AR (98 branches, 14 ZIPs) (#5615).

Chambers Bank (#5615) reports $1.59 billion in total assets; Chambers Bank (#5615) equity $203.7 million (12.8% of Chambers Bank (#5615) assets); Chambers Bank (#5615) domestic deposits $1.33 billion; Chambers Bank (#5615) net income $13.8 million; Chambers Bank (#5615) return on assets 1.76%; Chambers Bank (#5615) return on equity 13.73%; Chambers Bank (#5615) net interest income $31.5 million; Chambers Bank (#5615) call report June 30, 2026.

Chambers Bank (#5615) noncurrent real-estate loans 0.01% of its book; Chambers Bank (#5615) residential -0.03%; Chambers Bank (#5615) net charge-offs on real estate 0.23%; Chambers Bank (#5615) residential charge-offs 0.26%.

Chambers Bank (#5615) net interest margin 4.35% against an eight-quarter Chambers Bank (#5615) average of 4.43% (Chambers Bank (#5615) compression 0.08 points); Chambers Bank (#5615) real-estate loans 0.7% of equity; Chambers Bank (#5615) non-residential real estate 26.3% of equity; Chambers Bank (#5615) rate-exposure score 40/100, Chambers Bank (#5615) fixed-rate trap 40/100; Chambers Bank (#5615) risk type credit driven; Chambers Bank (#5615) rate regime rates elevated, Chambers Bank (#5615) snapshot October 19, 2026.

Chambers Bank (#5615) stress score moved from 42.7 on June 22, 2026 to 45.3 on October 19, 2026; Chambers Bank (#5615) ranged 42.7 to 45.3 over 116 snapshots.

Chambers Bank (#5615) alerts: 12 counties; top Chambers Bank (#5615) alert scores: Dallas County, AR 41 (moderate); Van Buren County, AR 33 (low); Conway County, AR 22 (low); Amity County, AR 17 (low); Havana County, AR 17 (low).