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Bank Of Clarke

$1B-$10B Specialty: Commercial VA FDIC cert 6123

Designations: ✓ Community bank

Berryville, VA

15 branches across VA

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 885 banks in the $1B-$10B peer group nationwide — 1 of 23 in VA.
  • Deposits -9.5% year over year ($1.6B on the books).
  • Delinquency rate 1.09%.
  • Return on assets 1.02%.
  • Efficiency ratio 62.53% vs a 59.73% peer average.
  • Loan-to-deposit ratio 92.76% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 23 in VA
View $1B-$10B leaderboard (VA) →

Bank Of Clarke faces 6 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 3.0% in tier
  • - Liquidity Strain: Bottom 20.5% in tier
  • - Capital Constraint: Bottom 28.1% in tier
  • - ROA 0.37% below tier average
  • - Efficiency Ratio 2.80% above tier average
  • - Delinquency Rate 0.22% above tier average
Get updates when Bank Of Clarke releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Total Assets ? $1.8B
-9.2% YoY +0.5% QoQ
-$946.2M $2.8B
-0.6% YoY
$17.9B
+3.0% YoY
$6.3B
+7.7% YoY
46%
Total Loans ? $1.5B
+4.3% YoY +2.8% QoQ
-$476.2M $2.0B
-0.3% YoY
$10.9B
+3.1% YoY
$3.2B
+9.4% YoY
53%
Total Deposits ? $1.6B
-9.5% YoY +0.2% QoQ
-$715.8M $2.3B
-0.5% YoY
$14.1B
+3.2% YoY
$4.9B
+7.3% YoY
48%
Return on Assets ? 1.02%
+16.2% QoQ
-0.37% 1.39%
+17.0% YoY
1.34%
+70.7% YoY
1.30%
+12.1% YoY
31%
Net Interest Margin ? 3.84%
+17.9% YoY +4.0% QoQ
-0.03% 3.87%
+6.2% YoY
3.88%
+6.6% YoY
3.95%
+4.9% YoY
58%
Efficiency Ratio ? 62.53%
-6.2% YoY -5.9% QoQ
+2.80% 59.73%
-12.6% YoY
62.24%
-10.7% YoY
70.05%
+2.5% YoY
39%
Delinquency Rate ? 1.09%
-10.5% YoY +5.7% QoQ
+0.22% 0.87%
+11.7% YoY
0.72%
+0.1% YoY
0.98%
+16.3% YoY
25%
Loan-to-Deposit Ratio ? 92.76%
+15.2% YoY +2.6% QoQ
+7.72% 85.04%
-0.1% YoY
80.15%
+0.8% YoY
79.03%
+2.3% YoY
33%
Non-Interest-Bearing Deposit Share ? 28.96%
-11.4% YoY +1.5% QoQ
+7.69% 21.27%
-1.5% YoY
26.19%
+3.5% YoY
21.98%
-0.6% YoY
83%
Nonperforming Asset Ratio ? 0.88%
+2.8% YoY +8.1% QoQ
+0.20% 0.67%
+11.7% YoY
0.52%
-0.4% YoY
0.69%
+15.8% YoY
26%
Tier 1 Capital Ratio ? 14.29%
+1.1% YoY -1.2% QoQ
-0.55% 14.84%
-0.4% YoY
16.58%
+3.9% YoY
17.09%
+0.8% YoY
67%
Non-Interest Income / Assets ? 0.73%
+71.6% YoY +174.4% QoQ
+0.20% 0.53%
+2.5% YoY
0.52%
+72.6% YoY
0.66%
+5.2% YoY
Top 10.3% in tier

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 (VA) National Avg Tier Percentile
Noninterest-Bearing 29.0%
-3.7pp YoY
+0.4pp QoQ
 +7.6pp 21.4% 26.2% 22.2% 82%
Brokered Deposits 5.0%
+0.5pp YoY
-0.1pp QoQ
 -4.5pp 9.5% 8.5% 8.5% 49%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
C&I 14.4%
-1.4pp YoY
+0.4pp QoQ
 +0.4pp 14.0% 11.0% 12.5% 65%
CRE 54.5%
+3.7pp YoY
+1.1pp QoQ
 +4.5pp 50.0% 46.9% 41.4% 63%
1-4 Family 24.8%
-0.3pp YoY
-0.5pp QoQ
 -1.7pp 26.4% 32.6% 31.3% 54%
Consumer 6.0%
-1.5pp YoY
-0.8pp QoQ
 +1.3pp 4.7% 8.0% 5.0% 84%

Capital

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
CET1 Ratio 14.3%
+0.1pp YoY
-0.2pp QoQ
 -1.3pp 15.6% 17.2% 19.7% 62%
Leverage Ratio 12.3%
+1.3pp YoY
+0.3pp QoQ
 +1.0pp 11.3% 12.2% 12.6% 79%
Total Capital Ratio 15.5%
+0.3pp YoY
-0.1pp QoQ
 -1.2pp 16.7% 18.3% 20.8% 64%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Full-Time Employees 259
+14 (+5.7%) YoY
+6 (+2.4%) QoQ
 -55 313 1,956 482 57%
Assets per Employee ($) $7.1M
-14.1% YoY
-1.8% QoQ
 -$3.4M $10.5M $9.9M $8.8M 26%
Branch Count 15
+1 (+7.1%) YoY
0 QoQ
 -5 20 28 18 50%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.2% 0.2% 0.4% 12%
Nonaccrual 1.1%
-0.1pp YoY
+0.1pp QoQ
 +0.3pp 0.8% 0.7% 1.0% 77%
Allowance Coverage 1.13x
+22.8% YoY
-2.8% QoQ
 -17.58x 18.71x 9.47x 20.23x 28%
Net Charge-off Rate (YTD) 0.3%
+0.2pp YoY
+0.3pp QoQ
 0.0pp 0.3% 0.2% 0.2% 86%

Profitability

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
ROE 8.6%
+9.7pp YoY
+1.1pp QoQ
 -4.0pp 12.6% 12.0% 11.6% 24%
Cost of Funds (YTD) 1.7%
-0.4pp YoY
0.0pp QoQ
 -0.2pp 1.9% 1.7% 1.7% 34%
Net Income ($, YTD) $9.5M
+1087.0% YoY
— QoQ
 -$9.8M $19.2M $137.1M $40.4M 37%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (3)

Deposit Outflow

decline
#5 of 131 • Bottom 3.0% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

131 of 131 Mid-Market banks match · 686 nationally
→ Stable +31 banks QoQ | QoQ rank improving

Liquidity Strain

risk
#75 of 361 • Bottom 20.5% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 92.76%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
361 of 361 Mid-Market banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank declining

Capital Constraint

risk
#10 of 32 • Bottom 28.1% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature
Loan-to-Deposit Ratio: 92.76%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
Tier 1 Capital Ratio: 14.29%
(Tier: 14.84%, National: 17.09%)
worse than tier avg
32 of 32 Mid-Market banks match · 143 nationally
→ Stable -5 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (2 metrics)

92
Non-Interest Income / Assets
revenue_mix
Value: 0.73%
Peer Median: 0.53%
#92 of 885 Top 10.3% in $1B-$10B
155
Non-Interest-Bearing Deposit Share
funding
Value: 28.96%
Peer Median: 21.27%
#155 of 885 Top 17.4% in $1B-$10B

Top Weaknesses (1 metrics)

664
Delinquency Rate
credit_quality
Value: 1.09%
Peer Median: 0.87%
#664 of 882 Bottom 24.8% in $1B-$10B
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