Bank of Clarke: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Bank of Clarke, based in Berryville, Virginia, reported $1.8 billion in assets at June 30, 2026, down 9.2% from a year earlier. It lost 9.5% of its deposits over the year, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 5.1%). It also funds 12.27% of its assets with Tier 1 capital, higher than about three-quarters of banks its size (median 10.52%).
Loans and deposits moved in opposite directions: over the year loans rose 4.4% and deposits fell 9.5%. The commercial and industrial book ($214 million) is worsening: 2.17% of it is past due or on nonaccrual, up from 0.95% a year earlier.
As of June 30, 2026, Bank of Clarke reported a CET1 capital ratio of 14.29%, a return on assets of 1.16%, a nonperforming-loan ratio of 1.07% and a Texas ratio of 6.74%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 2 E Main St, Berryville, VA 22611
- County
- Clarke
- Metro Area
- Washington-Arlington-Alexandria, DC-Va-MD-WV
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- April 1, 1881
- Offices
- 14 domestic
- Employees (FTE)
- 259
- Domestic deposits
- $1.60B
- Allowance for credit losses
- $18.3M
- Net charge-offs (YTD)
- $2.2M
- Average total assets
- $1.86B
- Average total loans
- $1.50B
- Average interest-bearing deposits
- $1.14B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 6123
- Fed RSSD
- 753324
- SEC CIK
- 880641 → filed by EAGLE FINANCIAL SERVICES, INC.
- Website
- http://www.bankofclarke.bank →
- Parent Holding Company
- EAGLE FINANCIAL SERVICES, INC. (RSSD 1951770) · EFSI
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Bank of Clarke terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Bank of Clarke, freeBank of Clarke rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.29% | 1.16% | 1.07% | 6.74% | 3.92% |
| Q1 2026 | 14.47% | 0.87% | 1.02% | 6.33% | 3.65% |
| Q4 2025 | 14.54% | 0.99% | 0.98% | 6.23% | 3.70% |
| Q3 2025 | 14.29% | 1.18% | 0.91% | 5.85% | 3.67% |
| Q2 2025 | 14.14% | 1.17% | 1.20% | 7.86% | 3.47% |
| Q1 2025 | 13.83% | -1.37% | 1.16% | 7.86% | 2.97% |
| Q4 2024 | 11.04% | 1.39% | 0.14% | 1.32% | 3.09% |
| Q3 2024 | 10.57% | 0.82% | 0.18% | 1.67% | 2.93% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 14 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bank of Clarke (main office) | Berryville , VA | 22611 | $303.2M |
| Old Town Center | Winchester , VA | 22601 | $210.0M |
| East Market Street Branch | Leesburg , VA | 20176 | $171.1M |
| Stephens City Branch | Stephens City , VA | 22655 | $156.0M |
| Purcellville Branch | Purcellville , VA | 20132 | $122.4M |
| Sunnyside Branch | Winchester , VA | 22603 | $122.0M |
| Pleasant Valley Branch | Winchester , VA | 22601 | $114.7M |
| One Loudoun Branch | Ashburn , VA | 20147 | $88.5M |
| Route 50 West Branch | Winchester , VA | 22603 | $78.5M |
| Senseny Road Branch | Winchester , VA | 22602 | $69.9M |
| Boyce Branch | Boyce , VA | 22620 | $54.7M |
| Blackwell Road Branch | Warrenton , VA | 20186 | $53.3M |
| Millbrook Branch | Winchester , VA | 22603 | $48.6M |
| Mclean Branch | Mclean , VA | 22101 | $10.0M |
Regulatory record
What the public regulatory sources show for Bank of Clarke, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- April 15, 2020, Federal Reserve: Civil Money Penalty: Bank of Clarke County, Berryville, Virginia
- Period: Most recent institution action April 15, 2020. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.5% of deposits in VA, rank 25 of 105 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 430 applications, 284 loans originated, $122.9M originated, across 16 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 38 loans, $34.8M approved, $916K average. 2.63% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Bank of Clarke
What are Bank of Clarke's total assets?
As of the Q2 2026 filing, Bank of Clarke reported total assets of $1.85 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Bank of Clarke headquartered?
Bank of Clarke is headquartered in Berryville, VA, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Bank of Clarke founded?
Bank of Clarke was established in 1881, per the FDIC institution directory.
Is Bank of Clarke FDIC-insured?
Yes. Bank of Clarke is an FDIC-insured commercial bank (FDIC Certificate #6123). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Clarke?
Bank of Clarke's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Bank of Clarke's CET1 capital ratio?
Bank of Clarke reported a Common Equity Tier 1 (CET1) capital ratio of 14.29% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Bank of Clarke operate?
Bank of Clarke operates 14 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of Clarke's Texas Ratio?
Bank of Clarke's Texas Ratio is 6.74% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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