Bank of Clarke: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bank of Clarke of Berryville, VA against its peer group of 927 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.16% | 1.46% | -0.30% | 41st below |
| ROAE | 9.78% | 12.69% | -2.91% | 30th below |
| Net Interest Margin | 3.92% | 3.85% | +0.07% | 64th above |
| Efficiency Ratio | 59.29% | 57.40% | +1.89% | 48th below |
| PPNR / Avg Assets | 2.27% | 1.88% | +0.39% | 81st top |
| Yield on Earning Assets | 5.52% | 5.72% | -0.20% | 49th below |
| Cost of Funds | 1.76% | 2.02% | -0.26% | 65th above |
| Net Interest Spread | 3.05% | 3.18% | -0.13% | 48th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.18% | 1.00% | +0.18% | 28th below |
| NPA / Total Assets | 0.96% | 0.76% | +0.20% | 26th below |
| NCO / Avg Loans | 0.60% | 0.43% | +0.17% | 8th bottom |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.22% | 1.31% | -0.09% | 61st above |
| ACL / NPLs (Coverage) | 103.37% | 564.70% | -461.33% | 32nd below |
| Texas Ratio | 7.39% | 7.39% | +0.00% | 33rd below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 236.16% | 618.87% | -382.71% | 63rd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 14.29% | 17.34% | -3.05% | 63rd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 14.29% | 17.37% | -3.08% | 63rd above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 15.48% | 18.42% | -2.94% | 64th above |
| Leverage Ratio | 12.27% | 11.44% | +0.83% | 79th top |
| Equity / Assets | 12.04% | 11.33% | +0.71% | 76th top |
| TCE / Tangible Assets | 12.00% | 10.50% | +1.50% | 83rd top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 93.90% | 86.95% | +6.95% | 33rd below |
| Core Deposit Ratio | 83.95% | 85.56% | -1.61% | 31st below |
| Uninsured Deposit Ratio | 26.50% | 33.13% | -6.63% | 66th above |
| Wholesale Funding Ratio | 0.00% | 5.70% | -5.70% | 100th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -9.23% | 9.69% | -18.92% | 1st bottom |
| Loan Growth (Y/Y) | 4.40% | 8.06% | -3.66% | 43rd below |
| Deposit Growth (Y/Y) | -9.46% | 7.89% | -17.35% | 1st bottom |
See Bank of Clarke's peers by name
The 927 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bank of Clarke, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Bank of Clarke profile, how to read a UBPR, or how this data updates.