FHD

CHAMBERS BANCSHARES INC

Legal name: CHAMBERS BANCSHARES, INC.

1 active bank · 5 merged/absorbed · $1.6B combined assets

RSSD ID: 1141487 (FFIEC NIC)

Combined Assets

$1.6B

CRA Rating Summary

Satisfactory1charter

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$1.6B

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$1.3B

Net Income

$7M

ROA (avg)

1.87%

asset-weighted avg

Tier 1 Capital (avg)

asset-weighted avg

Aggregated HMDA data across all active charters for 2024.

Applications

455

Origination Rate

76.48%

Denial Rate

10.55%

Each charter is examined independently for CRA compliance. Legacy entities were merged or absorbed during corporate consolidation.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
CHAMBERS BANK	DANVILLE, AR	FDIC	$1.6B	100.0%	Satisfactory	Dec 2022
CHAMBERS BANK OF NORTH ARKANSASMerged 2008	FAYETTEVILLE, AR	FDIC	$287M	—	Satisfactory	Jun 2008
RIVER TOWN BANKMerged 2019	DARDANELLE, AR	FDIC	$149M	—	Satisfactory	Mar 2014
DECATUR STATE BANKMerged 2014	DECATUR, AR	FDIC	$129M	—	Satisfactory	Jan 2015
THE SCOTT COUNTY BANKMerged 2000	WALDRON, AR	FDIC	$88M	—	Satisfactory	Jun 1997
BANK OF AMITYMerged 2000	AMITY, AR	FDIC	$62M	—	Satisfactory	Jul 1997

CRA (Community Reinvestment Act) exams are conducted per charter, not per holding company. Asset figures are from the most recent FDIC call report.