BlastPoint's Banking Scorecard
Bank of Clarks
Designations: ✓ Community bank
Clarks, NE
3 branches across NE
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 536 banks in the under $100M peer group nationwide — 1 of 35 in NE.
- Deposits -1.2% year over year ($49.2M on the books).
- Delinquency rate 3.26%.
- Return on assets 0.29%.
- Efficiency ratio 90.86% vs a 119.40% peer average.
- Loan-to-deposit ratio 88.76% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Bank of Clarks has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.39% above tier average
- + Efficiency Ratio 28.54% below tier average
Key Concerns
Areas that may need attention
- - Nonperforming Asset Ratio 1.59% above tier average
- - ROA 0.71% below tier average
- - Delinquency Rate 1.78% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$58.5M
+0.6% YoY
-4.7% QoQ
|
-$4.0M |
$62.4M
-0.0% YoY
|
$801.1M
+6.7% YoY
|
$6.3B
+7.7% YoY
|
44% |
| Total Loans ? |
$43.6M
-5.8% YoY
-4.6% QoQ
|
+$8.7M |
$34.9M
-0.6% YoY
|
$561.8M
+6.3% YoY
|
$3.2B
+9.4% YoY
|
68% |
| Total Deposits ? |
$49.2M
-1.2% YoY
+0.1% QoQ
|
-$2.5M |
$51.6M
-0.2% YoY
|
$663.3M
+6.9% YoY
|
$4.9B
+7.3% YoY
|
43% |
| Return on Assets ? |
0.29%
-58.5% YoY
+13.6% QoQ
|
-0.71% |
1.00%
+3.5% YoY
|
1.39%
+16.4% YoY
|
1.30%
+12.1% YoY
|
19% |
| Net Interest Margin ? |
4.31%
-8.6% YoY
-2.7% QoQ
|
+0.39% |
3.91%
+2.3% YoY
|
3.85%
+5.8% YoY
|
3.95%
+4.9% YoY
|
66% |
| Efficiency Ratio ? |
90.86%
+14.7% YoY
+3.5% QoQ
|
-28.54% |
119.40%
+49.6% YoY
|
59.13%
-5.1% YoY
|
70.05%
+2.5% YoY
|
17% |
| Delinquency Rate ? |
3.26%
+113.3% YoY
+136.9% QoQ
|
+1.78% |
1.48%
+31.8% YoY
|
0.76%
-0.0% YoY
|
0.98%
+16.3% YoY
|
Bottom 10.6% in tier |
| Loan-to-Deposit Ratio ? |
88.76%
-4.6% YoY
-4.7% QoQ
|
+14.56% |
74.21%
+12.6% YoY
|
80.90%
+0.2% YoY
|
79.03%
+2.3% YoY
|
19% |
| Non-Interest-Bearing Deposit Share ? |
19.84%
-10.8% YoY
-12.4% QoQ
|
-3.64% |
23.49%
+0.6% YoY
|
17.56%
-0.6% YoY
|
21.98%
-0.6% YoY
|
38% |
| Nonperforming Asset Ratio ? |
2.43%
+99.8% YoY
+137.0% QoQ
|
+1.59% |
0.84%
+23.0% YoY
|
0.59%
+4.7% YoY
|
0.69%
+15.8% YoY
|
Bottom 7.5% in tier |
| Tier 1 Capital Ratio ? |
9.79%
-1.1% YoY
-13.4% QoQ
|
-17.33% |
27.13%
+3.0% YoY
|
14.05%
+0.1% YoY
|
17.09%
+0.8% YoY
|
Bottom 4.5% in tier |
| Non-Interest Income / Assets ? |
0.11%
+26.7% YoY
+74.9% QoQ
|
-1.27% |
1.38%
+6.3% YoY
|
0.24%
+7.2% YoY
|
0.66%
+5.2% YoY
|
45% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
19.8%
-2.4pp YoY -2.8pp QoQ |
-4.8pp | 24.6% | 17.6% | 22.2% | 35% |
| Brokered Deposits | n/a | n/a | 9.8% | 8.9% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
11.3%
+3.4pp YoY +2.3pp QoQ |
-2.1pp | 13.4% | 12.3% | 12.5% | 55% |
| CRE |
15.1%
+1.5pp YoY |
-10.1pp | 25.2% | 32.3% | 41.4% | 32% |
| 1-4 Family |
15.1%
-4.3pp YoY -3.0pp QoQ |
-19.9pp | 35.0% | 16.9% | 31.3% | 30% |
| Consumer |
4.4%
-1.3pp YoY -0.1pp QoQ |
-3.3pp | 7.7% | 3.1% | 5.0% | 46% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 16.1% | 19.7% | n/a |
| Leverage Ratio |
9.8%
+1.3pp YoY +0.5pp QoQ |
-7.9pp | 17.7% | 12.1% | 12.6% | 16% |
| Total Capital Ratio | n/a | n/a | 39.7% | 17.3% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
14
+2 (+16.7%) YoY -1 (-6.7%) QoQ |
+2 | 12 | 98 | 482 | 67% |
| Assets per Employee ($) |
$4.2M
-13.8% YoY +2.1% QoQ |
-$2.0M | $6.2M | $8.5M | $8.8M | 23% |
| Branch Count |
3
+1 (+50.0%) YoY 0 QoQ |
+1 | 1 | 7 | 18 | 89% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
1.8%
+1.7pp YoY +1.8pp QoQ |
+0.9pp | 1.0% | 0.4% | 0.4% | 87% |
| Nonaccrual |
1.4%
+0.1pp YoY +0.1pp QoQ |
-0.3pp | 1.7% | 0.8% | 1.0% | 66% |
| Allowance Coverage |
0.50x
-43.8% YoY -56.0% QoQ |
-5.91x | 6.41x | 31.69x | 20.23x | 21% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.2% | 0.1% | 0.2% | 52% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
3.0%
-5.2pp YoY +0.3pp QoQ |
-3.4pp | 6.4% | 12.3% | 11.6% | 24% |
| Cost of Funds (YTD) |
2.2%
0.0pp YoY 0.0pp QoQ |
+0.8pp | 1.4% | 1.9% | 1.7% | 87% |
| Net Income ($, YTD) |
$87,000
-56.1% YoY — QoQ |
-$231K | $317,817 | $6.1M | $40.4M | 22% |
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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.