Bank of Clarke
BankRegReports is independent of Bank of Clarke and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Bank of Clarke is an FDIC-insured commercial bank headquartered in Berryville, VA, established in 1881 (FDIC certificate 6123), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $1.85B, down 9.2% from Q2 2025, the 18th largest of 56 banks headquartered in Virginia. Its CET1 capital ratio was 14.29% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 6123
- Headquarters
- Berryville, VA
- Established
- 1881
- Total assets, Q2 2026
- $1.85B
- Assets vs Q2 2025
- -9.2%
- CET1 ratio, Q2 2026
- 14.29%
- Domestic offices
- 15 FDIC institution directory, current count
- Routing number
- 051402518
- Latest call report
- Q2 2026, FFIEC 051 · Bank of Clarke call report
- Holding company
- EAGLE FINANCIAL SERVICES, INC.
- Asset rank in state
- 18th of 56 in Virginia
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%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Bank of Clarke is the 18th largest of the 56 banks headquartered in Virginia. From Q1 2026 to Q2 2026, its total assets rose 0.5% to $1.85B, loans rose 2.8% and deposits rose 0.2%. 1-4 family residential loans made up 24.5% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 24.1%. The FDIC Summary of Deposits lists 14 offices for it, in 9 cities in VA; its Winchester 6 offices book 40% of its branch deposits. By the capital ratios in its Q2 2026 call report, Bank of Clarke meets every capital ratio test for well capitalized.
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
- Domestic offices
- 15 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Bank of Clarke's total assets moved between a low of $1.78B (Q1 2024) and a high of $2.03B (Q2 2025) from Q3 2023 to Q2 2026, and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.85B total assets against $2.03B; $1.62B total liabilities against $1.83B.
$1.49B net loans and leases against $1.43B; $1.60B total deposits against $1.77B.
$112.5M securities against $120.9M; $144.0M cash and balances due against $396.0M.
$24.4M total interest income against $24.8M; $7.0M total interest expense against $8.8M.
$17.3M net interest income against $16.1M.
$8.6M total noninterest income against $4.9M; $15.4M total noninterest expense against $13.2M.
$3.5M provision for credit losses against $668K.
$5.4M net income against $5.7M.
1.16% return on assets against 1.17%; 3.92% net interest margin against 3.47%.
14.29% CET1 capital ratio against 14.14%; 12.27% tier 1 leverage ratio against 10.92%.
Inside the full Bank of Clarke terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeBank of Clarke rankings
Its closest position to the top of a national ranking is 632 of 4,196, for total assets; its furthest is 658 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -1.37% (Q1 2025) to 1.39% (Q4 2024) and its net interest margin ran from 2.93% (Q3 2024) to 3.92% (Q2 2026).
| 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
View all 14 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- 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 102 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).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Bank of Clarke’s latest filed figures and updates each quarter.
Similar banks
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.
Where is Bank of Clarke headquartered?
It is headquartered in Berryville, VA, United States.
When was Bank of Clarke founded?
It was established in 1881, per the FDIC institution directory.
Is Bank of Clarke FDIC-insured?
Yes. It 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.
What is Bank of Clarke's CET1 capital ratio?
It 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?
It operates 15 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?
Its Texas Ratio is 6.74% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
Go deeper on Bank of Clarke.
Get an email when Bank of Clarke files its next call report, and benchmark it against any peer you choose.
Unlock Bank of Clarke, freeFree account