# CHAMBERS BANK
DANVILLE, AR · FDIC certificate 5615 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.59B | |
| Deposits | $1.33B | |
| Loans and leases | $1.16B | |
| Total equity | $203.7M | |
| Loans / deposits | 86.67% (p49 of band) | 87.10% |
| Liquid assets / assets | 21.23% (p50 of band) | |
| Uninsured deposits / deposits | 40.23% (p74 of band) | 30.76% |
| Brokered deposits | 1.34% | |
| Wholesale funding | 4.28% (p42 of band) | |
| FHLB advances / assets | 2.94% | |
| Tier 1 leverage | 12.57% (p81 of band) | 10.50% |
| Unrealized securities loss / equity | 0.13% (p99 of band) | -7.75% |
| AOCI / equity | -0.10% (p67 of band) | |
| ROA (annualized) | 1.76% (p81 of band) | 1.26% |
| Net interest margin | 4.35% (p83 of band) | 3.70% |
| Efficiency ratio | 57.44% (p44 of band) | |
| Noncurrent loans | 0.23% (p25 of band) | 0.51% |
| Net charge-offs (annualized) | 0.01% (p41 of band) | |
| Reserve coverage of noncurrent | 477.97% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 121.86% (p94 of band) | |
| Auto loans | $746,000 (0.06% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 14.2% | |
| Employees | 248 | |

## Flags firing in the latest filing

- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | liquid assets <10%, construction >100% equity |  |
| 2011-06 | 2 | losing money | liquid assets <10% |
| 2011-09 | 1 |  | losing money |
| 2011-12 | 2 | losing money |  |
| 2012-03 | 1 |  | losing money |
| 2012-06 | 1 |  |  |
| 2012-09 | 2 | capital falling |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 3 | charge-offs p90, reserve under noncurrent | capital falling |
| 2013-06 | 2 |  | construction >100% equity |
| 2013-09 | 2 |  |  |
| 2013-12 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving | reserve under noncurrent |
| 2014-03 | 4 | reserve under noncurrent | uninsured deposits leaving |
| 2014-06 | 1 |  | charge-offs p90, deposits shrinking, assets shrinking |
| 2014-09 | 2 | noncurrent p90 |  |
| 2014-12 | 4 | deposits shrinking, assets shrinking |  |
| 2015-03 | 2 |  | reserve under noncurrent, noncurrent p90 |
| 2015-06 | 3 | noncurrent p90 |  |
| 2015-09 | 4 | reserve under noncurrent |  |
| 2015-12 | 1 | charge-offs p90 | deposits shrinking, assets shrinking, noncurrent p90, reserve under noncurrent |
| 2016-03 | 3 | reserve under noncurrent, deposits shrinking |  |
| 2016-06 | 2 | liquid assets <10% | reserve under noncurrent, deposits shrinking |
| 2016-09 | 4 | loans exceed deposits, construction >100% equity |  |
| 2016-12 | 2 |  | liquid assets <10%, loans exceed deposits |
| 2017-03 | 1 |  | charge-offs p90 |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | loans exceed deposits |  |
| 2018-03 | 4 | liquid assets <10%, capital falling |  |
| 2018-06 | 3 |  | liquid assets <10% |
| 2018-09 | 3 | liquid assets <10% | capital falling |
| 2018-12 | 3 |  |  |
| 2019-03 | 3 | charge-offs p90 | liquid assets <10% |
| 2019-06 | 2 |  | charge-offs p90 |
| 2019-09 | 2 |  |  |
| 2019-12 | 3 | capital falling |  |
| 2020-03 | 1 |  | loans exceed deposits, capital falling |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 0 |  | construction >100% equity |
| 2025-03 | 0 |  |  |
| 2025-06 | 1 | construction >100% equity |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | capital falling |  |
| 2026-06 | 1 |  | capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2024-07-03 [Erica Preston named chief banking officer for Chambers Bank - Talk Business & Politics](https://news.google.com/rss/articles/CBMimAFBVV95cUxPS2xYZ0VsY2YxYjRDbkVyZVRjNF9SdEtaZDVKei1OUVRPTXRGNDlCLXF3Q19lU0ZOVlVtbHAxMVZncGdEaDM4R0pxSndqYzNPMy01QnVWN2dFZGRfLWhaLW9MREtfOTRtQjZsMV9nNTNXNkY1ZlF2RzkyUWJ5QmVPUDNTWTl5bHpISm5heGVwcDZGaW96R1lnVA?oc=5) · Talk Business &amp; Politics
- 2025-01-04 [Arkansas bank led by brother-in-law of Jerry Jones expands to Dallas - WFAA](https://news.google.com/rss/articles/CBMixwFBVV95cUxPaFktNnpOTGs0NVFkRmNITEtQdDRoYmRZc25Pa1ZBaks1d29ZdzBSNGZLZ0RpcGJncjItVG5hYTdrRVMtcUVERmRtc2Y1Z3J6Q0YyU1N0bjBFbDVFTmNleV9SYWVCY1VaOVNVSDNHX0hJeEpnQU8wRFJYWTBGNHg2WVl4TENUMTNsQ1hvQVBFQUJUY2tCaFlTV3hBX0EwX0RuTlhBRExtem1rSDZkLVVaSkI2Z0ZYSnJhT0w3dnFHcElMazlSSG5n?oc=5) · WFAA
- 2023-01-23 [Mike Donnell Marks 10 Years as President of Chambers Bank - Arkansas Business](https://news.google.com/rss/articles/CBMioAFBVV95cUxNZ3pZWGJlaE9qYW1MNmtFWWhZMElaNEJoT0h2T19HbzZmVlFXaGpxZDc3R0VfbjZfM3FxMnlsMjJJNkxjS1VsLVVwWExFTDlOeW9CYzVzaXhhTGZkZFZ0MWRtRzdGM1pxYlREWkFINVd1dW9ZTWpFT09idXJDbG9xR1NLVlBjQTA1NWphUkkxTkRvZ0tqOEJtZ0lHU1Z1eWs4?oc=5) · Arkansas Business
- 2025-09-12 [2025 AMP Women in Banking - Arkansas Money & Politics](https://news.google.com/rss/articles/CBMiaEFVX3lxTE81Sm13alpKZWpKWWFwNEpEdWtIVDZqYUxLQ2hNb2VVWDFUWDdiVUlxZUxLaTlrNHZEOHJucHlxMDlhX3F1ZjBTbW4weG4xdWpXSFd2NTJCNHlSXzJhM0dSV1RLNUZkN3Az?oc=5) · Arkansas Money &amp; Politics
- 2017-09-29 [Arkansas Bank Welcomes New Western Region Market President - newswire.com](https://news.google.com/rss/articles/CBMingFBVV95cUxQd1l6a3JqcFlPLVZEbTF6VzhCTFFPbk00UkpGb0lITXRrOFNHVGs0QWlPdHBFQ2pUYWlfUURkTjEteVZjb08wV2h5YXJLd1VzOGpkQm54X0hndndBanpBZzJxNkVaTnJNZDM5YzVNN2dzMXdrNkZnRkNHV3Jxa0pYb1hBak1zTldRSFZUQlpCVWJqbEIxc1o1dEdVRDlBZw?oc=5) · newswire.com
- 2022-06-08 [Chambers Bank promotes Ashley Wiser to COO - Talk Business & Politics](https://news.google.com/rss/articles/CBMiggFBVV95cUxON0l6UFQ4ZmZSODl0V1NvNndSZW5SOHhmRnQzN2N2LXNQa3JzNmZELS1NMTJDTVAxTVdzV2FnYzZnWTRIVk9JTkt6eGRxeVB0eWRNTm5obWFhSUVQZnRoczdaMjg3RFVQLWpwYlE0T3lHQlY4ckZ0WXJWNzExT0lVaEFB?oc=5) · Talk Business &amp; Politics
- 2024-07-01 [Texas Bound: Chambers Bank of Danville Sets Sights on Dallas - Arkansas Business](https://news.google.com/rss/articles/CBMiowFBVV95cUxPWTAxZlp3a08xVW1mY05iWWRhRU5XMjlPaWwxWlVaTWJ5UV9nSXBrLUtzSXFJQ0l2QkdzM3FBU00zdzFyS0tJUTNNM0d4MU5ERVNaNndVbkIxcThmSm1Ndmc4ZlFqTGRlLUI5SG9ObGRkMmhaV1ZFSWhzVkdKYXBFZG12YndiQ1lCVFlpNEZvLWEzREY2VWZtX2NfenBvN0FyNExz?oc=5) · Arkansas Business
- 2017-09-29 [Arkansas Bank Welcomes New Vice President Commercial Services Manager - newswire.com](https://news.google.com/rss/articles/CBMirAFBVV95cUxQNURBdlFuSHJUMW5KSW51UjdOMl96RDhYbmR1WlF2TWFXYVNGRWhreTd5MHlaQnJHajM0TlpxNUNkc0FFdVV1XzNvNVotYXhwYVE0aGIwRkg4dm13dUdnTlQ3SjVQRmRpMnV6eVEyNFVwSzZxaFhJZ0NXRmQxc0o0Ykt4d2x2d0ZPdlVRWVhhNzhEMGhDNjdCR3NiWWxYdHVPQTRQX2NiWkF0b19K?oc=5) · newswire.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=5615 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/47.json (key "5615", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide