BlastPoint's Banking Scorecard
Bank of Clarks
Designations: ✓ Community bank
Clarks, NE
3 branches across NE
Bank of Clarks has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.56% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.60% below tier average
- - Efficiency Ratio 0.12% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$61.3M
+8.7% YoY
-1.6% QoQ
|
-$951K |
$62.3M
-0.5% YoY
|
$791.1M
+6.6% YoY
|
$6.2B
+9.0% YoY
|
46% |
| Total Loans ? |
$45.8M
+3.4% YoY
-3.7% QoQ
|
+$11.5M |
$34.3M
-1.5% YoY
|
$551.6M
+6.9% YoY
|
$3.2B
+10.7% YoY
|
70% |
| Total Deposits ? |
$49.1M
+7.5% YoY
+1.9% QoQ
|
-$2.7M |
$51.8M
-0.6% YoY
|
$661.1M
+6.6% YoY
|
$4.8B
+8.0% YoY
|
43% |
| Return on Assets ? |
0.25%
-76.9% YoY
-27.9% QoQ
|
-0.60% |
0.86%
-3.6% YoY
|
1.36%
+20.0% YoY
|
1.24%
+13.1% YoY
|
21% |
| Net Interest Margin ? |
4.43%
-11.8% YoY
-1.9% QoQ
|
+0.56% |
3.87%
+2.7% YoY
|
3.79%
+6.5% YoY
|
3.89%
+5.7% YoY
|
74% |
| Efficiency Ratio ? |
87.75%
+24.5% YoY
+4.0% QoQ
|
+0.12% |
87.63%
+2.3% YoY
|
60.11%
-6.9% YoY
|
66.84%
-3.8% YoY
|
22% |
| Delinquency Rate ? |
1.37%
-57.5% YoY
+7.1% QoQ
|
+0.01% |
1.36%
+33.7% YoY
|
0.72%
+6.8% YoY
|
0.95%
+18.8% YoY
|
27% |
| Loan-to-Deposit Ratio ? |
93.13%
-3.8% YoY
-5.5% QoQ
|
+29.02% |
64.11%
-0.9% YoY
|
79.63%
+0.4% YoY
|
76.69%
+0.9% YoY
|
Bottom 12.7% in tier |
| Non-Interest-Bearing Deposit Share ? |
22.66%
-13.0% YoY
-5.2% QoQ
|
-1.13% |
23.79%
+0.5% YoY
|
17.92%
-1.5% YoY
|
22.01%
-1.1% YoY
|
47% |
| Nonperforming Asset Ratio ? |
1.03%
-59.6% YoY
+4.8% QoQ
|
+0.25% |
0.77%
+28.7% YoY
|
0.55%
+6.0% YoY
|
0.66%
+19.3% YoY
|
23% |
| Tier 1 Capital Ratio ? |
11.31%
+11.0% YoY
+4.5% QoQ
|
-15.47% |
26.77%
+2.0% YoY
|
14.10%
+3.9% YoY
|
17.06%
+0.8% YoY
|
16% |
| Non-Interest Income / Assets ? |
0.06%
+19.6% YoY
-60.8% QoQ
|
-0.61% |
0.67%
+1.6% YoY
|
0.12%
+3.0% YoY
|
0.32%
+4.0% YoY
|
51% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.