Chambers Bank

Headquarters: Danville, Arkansas
Charter: Bank
Assets: $1.6B
Fed district: St. Louis
Regulator: Federal Reserve
Holding company: Chambers Bancshares Inc.

17 published fees; none has a market median to compare yet.

Source: its fee schedule, read Nov 1, 2026.

Overview

Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Nov 1, 2026

How these figures are measured

Call-report figures are for Chambers Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	FFIEC call report (bulk data) RCON2170	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Revenue	Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4074 + RIAD4079	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge income	Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4080	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Chambers Bank's published fee schedule; Bank Fee Index medians	Current schedule	Nov 1, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: Chambers Bank (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

What stands out

Service-charge income was $631K in Q2 2026, 6.1% above the same quarter a year earlier ($595K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Chambers Bank: $10
Chambers Bank: $10
U.S. median: no median
Overdraft (OD)
Chambers Bank: $30
Chambers Bank: $30
U.S. median: no median
NSF / Returned Item
Chambers Bank: $30
Chambers Bank: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 1, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Arkansas, the St. Louis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Arkansas: Banks and credit unions headquartered in Arkansas that publish the fee.
St. Louis district: Banks and credit unions headquartered in the St. Louis Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income was about level from Q3 2025 to Q2 2026, at $631K.

Service-charge income, Q2 2026

$631K

$631KQ3 2025

$641KQ4 2025

$606KQ1 2026

$631KQ2 2026

Against the median

Chambers BankMedian

Sources and open questions

FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

Chambers Bank · $1.6B in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 20 states.

Banks only
$1.5B to $1.6B in assets
Headquartered in 20 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Chambers Bank(this institution)	Danville, AR	$1.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Alma Bank	Astoria, NY	$1.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Overdraft not published
BankSouth	Greensboro, GA	$1.6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
BOM Bank	Natchitoches, LA	$1.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
CorTrust Bank National Association	Mitchell, SD	$1.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Dieterich Bank	Effingham, IL	$1.6B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Bank Richmond	Richmond, IN	$1.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
First State Bank	Mendota, IL	$1.6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Forcht Bank, National Association	Lexington, KY	$1.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Grasshopper Bank, N.A.	New York, NY	$1.6B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
International Bank of Commerce	Oklahoma City, OK	$1.6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
International Finance Bank	Miami, FL	$1.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Landmark National Bank	Manhattan, KS	$1.6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Main Street Bank Corp.	Wooster, OH	$1.6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Meredith Village Savings Bank	Meredith, NH	$1.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Newburyport Five Cents Savings Bank	Newburyport, MA	$1.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Northfield Savings Bank	Northfield, VT	$1.6B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Pacific National Bank	Miami, FL	$1.6B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
PrimeSouth Bank	Blackshear, GA	$1.6B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Citizens Bank of Philadelphia, Mississippi	Philadelphia, MS	$1.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The Moody National Bank	Galveston, TX	$1.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Nodaway Valley Bank	Maryville, MO	$1.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Transportation Alliance Bank, Inc. d/b/a TAB Bank	Ogden, UT	$1.6B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Union Bank	Morrisville, VT	$1.6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
US Metro Bank	Garden Grove, CA	$1.6B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Virginia National Bank	Charlottesville, VA	$1.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 18 publish this fee(monthly maintenance)

7 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $0.52 (5.5%) above the median of similar-sized banks.

Its published price is $10, against a peer median of $9.48 among 18 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026.

Monthly maintenance fee in dollars, one mark per institution

Chambers BankPeer (equal prices stack)Peer medianInclude 2 outliers ($45, $50)Shown past the axis break, not to scale, so the rest of the set has room.

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Chambers Bank (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $631K
vs prior quarter: +$25K+4.1%; from Q1 2026
vs a year earlier: +$36K+6.1%; from Q2 2025
vs start of range: +$54K+9.4%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: Chambers Bank (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$631K	+$25K	+4.1%
Q1 2026	$606K	−$35K	−5.5%
Q4 2025	$641K	+$10K	+1.6%
Q3 2025	$631K	+$36K	+6.1%
Q2 2025	$595K	+$30K	+5.3%
Q1 2025	$565K	−$17K	−2.9%
Q4 2024	$582K	+$5K	+0.9%
Q3 2024	$577K	+$2K	+0.3%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Chambers Bank’s own schedules, with a source for each figure.

Account Maintenance

Service charge each statement cycle$10
per month
Early Account Closure$10
Dormant Account Fee$3
per month
Account Research$25
Not compared: Charged per hour; comparison unavailable
per hour
Monthly paper statement fee$3
per month

Overdraft & NSF

Overdraft Fee (item paid)$30
per item
Non-Sufficient Funds Fee (item returned unpaid)$30
per item
Overdraft Protection$8
per item

ATM & Card

Instant Issue Debit Card Replacement Fee$5
per item

Check Services

Cashier's Check$4
per item
Stop Payment$30
per item
Temporary Checks$0.50
per item
Collection Item$40
per item

Account Services

Notary Service$5
Levy/Garnishment$75
per item
Written Verification of Deposit$10

Retirement & IRA

IRA Transfer (from Chambers Bank to another Financial Institution)$25
per item

Other Fees

Fax Copy of Statement$5
per item
Photocopies$0.25
per item
Research Photocopies$1
per item

Fee	Amount	Basis	Note
Account Maintenance
Service charge each statement cycle	$10	per month	None
Early Account Closure	$10	Not stated	None
Dormant Account Fee	$3	per month	None
Account Research	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Monthly paper statement fee	$3	per month	None
Overdraft & NSF
Overdraft Fee (item paid)	$30	per item	None
Non-Sufficient Funds Fee (item returned unpaid)	$30	per item	None
Overdraft Protection	$8	per item	None
ATM & Card
Instant Issue Debit Card Replacement Fee	$5	per item	None
Check Services
Cashier's Check	$4	per item	None
Stop Payment	$30	per item	None
Temporary Checks	$0.50	per item	None
Collection Item	$40	per item	None
Account Services
Notary Service	$5	Not stated	None
Levy/Garnishment	$75	per item	None
Written Verification of Deposit	$10	Not stated	None
Retirement & IRA
IRA Transfer (from Chambers Bank to another Financial Institution)	$25	per item	None
Other Fees
Fax Copy of Statement	$5	per item	None
Photocopies	$0.25	per item	None
Research Photocopies	$1	per item	None

Correct a fee source

Nov 1, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Fee change alerts

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