Bank of Clarks
Clarks, Nebraska · FDIC Cert #16953
Bank of Clarks is an FDIC-insured bank (Certificate #16953) with $48M in total assets and $41M in total deposits as of the Q2 2024 Call Report. Headquartered in Clarks, Nebraska, the bank maintains a Tier 1 capital ratio of 12.01% (Well-Capitalized) and a nonperforming loan ratio of 2.21%. BankHealthData assigns a composite Health Grade of C (63/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Bank of Clarks (FDIC cert 16953) is a community bank — $48M in total assets, $41M in deposits, serving the Clarks, Nebraska area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 12.01% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is elevated: non-performing loan ratio of 2.21% runs above 2%, suggesting the loan book carries more credit risk than peer banks. Elevated NPL can reflect specific portfolio concentrations or broader credit-cycle pressure. Liquidity is in the normal range: 21.4% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is minimal: ROA of 0.15% indicates the bank is barely profitable on an assets basis. Multiple quarters of minimal profitability eventually challenge capital growth and regulatory standing. Health-score trend is mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. Bank of Clarks carries a composite BankHealth grade of C (63/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Bank of Clarks
- Total Assets
- $48M
- Total Deposits
- $41M
- Tier 1 Capital Ratio
- 12.01%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 2.21%
- Liquidity Ratio
- 21.38%
- Return on Assets
- 0.15%
- Headquarters
- Clarks, Nebraska
- FDIC Certificate
- #16953
- Health Grade
- C (63/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Bank of Clarks holds a Tier 1 capital ratio of 12.01%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Bank of Clarks has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Bank of Clarks shows average financial health. While not alarming, its Health Score of 63/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Bank of Clarks Compares
Bank of Clarks’s Health Score of 63 is 2 points below the Nebraska state average of 65 across 120 FDIC-insured banks. Its 12.01% Tier 1 capital ratio is 2.0 points below the US banking industry average near 14%. The 2.21% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 0.15% is below the national ROA benchmark of ~1.1%. Among 529 similarly-sized banks, the average Health Score is 68, meaning this bank ranks below its size cohort. Site-wide, Bank of Clarks is 7 points below the portfolio average of 70.
Frequently Asked Questions
Bank of Clarks has a Bank Health Score of C (63/100), placing it in average financial health. It holds a Tier 1 capital ratio of 12.01%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Bank of Clarks's Tier 1 capital ratio of 12.01% and nonperforming loan ratio of 2.21% indicate an average risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Bank of Clarks is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #16953). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Bank of Clarks holds $48M in total assets and $41M in total deposits. It is headquartered in Clarks, Nebraska (FDIC Certificate #16953).
Bank of Clarks has a Tier 1 capital ratio of 12.01%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 2.21%, and the return on assets is 0.15%.
Yes. Bank of Clarks is FDIC-insured (Certificate #16953). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An C grade on our Bank Health Score means 55-69/100 — average across capital, loan quality, and profitability. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Bank of Clarks's metrics are around average for the industry. There's no urgent action needed for FDIC-insured deposits, but it's worth monitoring quarterly updates. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.