BlastPoint's Banking Scorecard
Bank Of Clarke
Designations: ✓ Community bank
Berryville, VA
15 branches across VA
Bank Of Clarke faces 5 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 5.1% in tier
- - ROA 0.49% below tier average
- - Net Interest Margin 0.13% below tier average
- - Efficiency Ratio 5.42% above tier average
- - Delinquency Rate 0.14% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.8B
-3.5% YoY
-2.6% QoQ
|
-$977.6M |
$2.8B
-0.1% YoY
|
$17.9B
+25.7% YoY
|
$6.2B
+9.1% YoY
|
46% |
| Total Loans ? |
$1.4B
+0.5% YoY
-1.1% QoQ
|
-$518.1M |
$2.0B
+0.6% YoY
|
$10.6B
+27.9% YoY
|
$3.2B
+10.8% YoY
|
51% |
| Total Deposits ? |
$1.6B
-1.2% YoY
-0.5% QoQ
|
-$743.7M |
$2.3B
-0.3% YoY
|
$14.1B
+22.4% YoY
|
$4.8B
+8.2% YoY
|
47% |
| Return on Assets ? |
0.88%
+162.3% YoY
+74.1% QoQ
|
-0.49% |
1.37%
+19.6% YoY
|
1.15%
+53.9% YoY
|
1.23%
+13.4% YoY
|
25% |
| Net Interest Margin ? |
3.69%
+19.8% YoY
+4.8% QoQ
|
-0.13% |
3.82%
+6.9% YoY
|
3.81%
+7.1% YoY
|
3.89%
+5.7% YoY
|
53% |
| Efficiency Ratio ? |
66.48%
-6.3% YoY
+0.3% QoQ
|
+5.42% |
61.06%
-4.6% YoY
|
65.58%
-7.6% YoY
|
66.95%
-4.1% YoY
|
30% |
| Delinquency Rate ? |
1.03%
-12.2% YoY
+4.0% QoQ
|
+0.14% |
0.89%
+14.1% YoY
|
0.77%
+12.4% YoY
|
0.95%
+18.8% YoY
|
26% |
| Loan-to-Deposit Ratio ? |
90.45%
+1.7% YoY
-0.6% QoQ
|
+6.24% |
84.20%
+0.3% YoY
|
79.34%
+0.5% YoY
|
76.70%
+0.9% YoY
|
36% |
| Non-Interest-Bearing Deposit Share ? |
28.54%
+8.2% YoY
+6.1% QoQ
|
+7.25% |
21.29%
-2.5% YoY
|
25.27%
-0.4% YoY
|
22.01%
-1.2% YoY
|
81% |
| Nonperforming Asset Ratio ? |
0.81%
-8.6% YoY
+5.7% QoQ
|
+0.14% |
0.67%
+15.6% YoY
|
0.55%
+12.2% YoY
|
0.67%
+19.3% YoY
|
26% |
| Tier 1 Capital Ratio ? |
14.47%
+4.6% YoY
-0.4% QoQ
|
-0.69% |
15.16%
+2.0% YoY
|
16.28%
+2.7% YoY
|
17.06%
+0.8% YoY
|
68% |
| Non-Interest Income / Assets ? |
0.27%
+35.5% YoY
-73.5% QoQ
|
+0.01% |
0.26%
+1.6% YoY
|
0.18%
+27.1% YoY
|
0.32%
+4.1% YoY
|
83% |
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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 (1)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.