Chambers Bank
Danville, Arkansas, Yell County
$1.6B in total assets, the 731st largest of 4,309 US banks and 16th of 78 headquartered in Arkansas.
- FDIC certificate
- 5615
- Established
- 1930
- Owned by
- Chambers Bancshares Inc
- Primary regulator
- FED
- Website
- http://www.chambers.bank
At a glance
Compared with 19 banks headquartered in Arkansas with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $1.6B | 42% | $1.6B | |
| Loans | $1.2B | 42% | $1.4B | |
| Deposits | $1.3B | 42% | $1.5B | |
| Return on assets | 1.95% | 90% | 1.23% | |
| Net interest margin | 4.35% | 79% | 4.01% | |
| Efficiency ratio | 57.4% | 47% | 57.5% | |
| Equity to assets | 12.83% | 84% | 9.57% | |
| Loans to deposits | 88% | 47% | 89% |
Growth
Total assets grew 7.2% a year over the last 5 years and 9.0% a year over 10 years, including 1 acquisition in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Nov 2019 | River Town Bank Dardanelle, AR, an affiliate under the same holding company | $149M |
| Nov 2008 | Chambers Bank of North Arkansas Fayetteville, AR, an affiliate under the same holding company | $287M |
| Sep 2000 | Bank of Amity Amity, AR, an affiliate under the same holding company | $62M |
| Sep 2000 | The Scott County Bank Waldron, AR, an affiliate under the same holding company | $88M |
Where they operate
25 branches in 12 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Yell County, AR | $338M | 77.4% | 1 of 3 |
| Benton County, AR | $172M | 1.6% | 12 of 34 |
| Washington County, AR | $171M | 1.9% | 11 of 34 |
| Pope County, AR | $157M | 8.5% | 6 of 11 |
| Garland County, AR | $149M | 4.8% | 8 of 14 |
| Sebastian County, AR | $91M | 2.3% | 10 of 16 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 7 branches since 2016 (18 to 25, +38.9%). 5 opened, 8 acquired, 6 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 18 | |||
| 2016 | Opened RogersClosed Bentonville | 1 | 1 | 0 | 18 |
| 2019 | Acquired River Town BankOpened Conway and Van Buren | 10 | 0 | +10 | 28 |
| 2020 | Opened Hot SpringsClosed Hot Springs Village | 1 | 1 | 0 | 28 |
| 2021 | Closed Fort Smith and Springdale | 0 | 2 | −2 | 26 |
| 2023 | Closed Conway | 0 | 1 | −1 | 25 |
| 2024 | Opened Dallas | 1 | 0 | +1 | 26 |
| 2025 | Closed Elkins | 0 | 1 | −1 | 25 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 38% | 29% | |
| Construction and land | 21% | 13% | |
| 1-4 family residential | 17% | 23% | |
| Business (C&I) | 16% | 14% | |
| Farmland | 3% | 10% | |
| Multifamily | 3% | 5% | |
| Consumer | 1% | 3% | |
| Agricultural | 0% | 3% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Time deposits | 47% | 34% | |
| Other interest-bearing | 39% | 47% | |
| Noninterest-bearing | 14% | 18% |
Brokered deposits are 1.6% of deposits (peers 7.2%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.23% | 0.40% |
| Net charge-offs, annualized | 0.02% | 0.10% |
| Reserves to loans | 1.09% | 1.29% |
| Leverage ratio | 12.57% | 10.20% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Arkansas
Largest competitors in Yell County, AR
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/chambers-bank-danville-ar