This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Bank
Chambers, NE
Health score
93.1
Total assets
$89.2M
Bank
Minden, NE
Health score
74.7
Total assets
$91.2M
Answer first
Chambers State Bank leads on financial health and capitalization and profitability and growth; First Bank and Trust Company leads on lending quality. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
Chambers State Bank
Higher TFS health score
Capitalization
Chambers State Bank
Higher comparable capital ratio
Profitability
Chambers State Bank
Higher return on assets
Lending quality
First Bank and Trust Company
Lower problem-loan measure
Growth
Chambers State Bank
Higher year-over-year asset growth
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | Chambers State Bank | First Bank and Trust Company |
|---|---|---|
| TFS health score | 93.1/100Leads | 74.7/100 |
| Total assets | $89.2M | $91.2M |
| Total deposits / shares | $66.7M | $66.3M |
| Tier 1 capital ratio | 24.74%Leads | 10.55% |
| Return on assets | 2.70%Leads | 1.01% |
| Return on equity | 11.16%Leads |
Chambers State Bank
2 branches
First Bank and Trust Company
1 branches
Both institutions report branches in 1 state: NE.
Chambers State Bank
Unavailable
First Bank and Trust Company
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
Chambers State Bank
0 in TFS registry
First Bank and Trust Company
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | Chambers State Bank score | Chambers State Bank ROA | First Bank and Trust Company score | First Bank and Trust Company ROA |
|---|---|---|---|---|
| 2024-Q3 | — | 2.16% | — | 0.66% |
| 2024-Q4 | — | 1.85% | — | 0.49% |
| 2025-Q1 | — | 2.71% | — | 1.11% |
| 2025-Q2 | — | 2.24% | — | 1.00% |
| 2025-Q3 | — | 2.16% | — | 1.08% |
| 2025-Q4 | — | 1.86% | — | 0.91% |
| 2026-Q1 | 94.4/100 |
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Coverage boundaries
Related comparisons
Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Arbitrary comparison pairs are available dynamically but remain noindex unless curated for data completeness and user value.
| 10.13% |
| Non-performing loans | 0.39% | 0.00%Leads |
| Net charge-offs | 0.30% | -0.01%Leads |
| Efficiency ratio | 42.85%Leads | 69.89% |
| Loan-to-deposit ratio | 98.16% | 65.34% |
| Asset growth (YoY) | 2.58%Leads | -4.36% |
| Deposit / share growth (YoY) | 1.28%Leads | -3.27% |
| Branches | 2 | 1 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
| 3.00% |
| 66.1/100 |
| 0.96% |
| 2026-Q2 | 93.1/100 | 2.70% | 74.7/100 | 1.01% |