Bank of Clarke: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 2.97 percentage points in Q2 2026, from 106.34% to 103.37%. It was the largest change from Q1 2026 among the key lines here. Within Virginia, Bank of Clarke is 35th of 56 on return on assets, 1.16% as of Q2 2026, below the middle of the field. Bank of Clarke reported 1.16% on return on assets for Q2 2026, 0.12 points below the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.29% |
| Tier 1 risk-based capital ratio | 14.29% |
| Total risk-based capital ratio | 15.48% |
| Tier 1 leverage ratio | 12.27% |
| Equity capital to assets | 12.04% |
| Tangible equity to tangible assets | 12.00% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.18% |
| Non-performing assets ratio | 0.96% |
| Net charge-off ratio | 0.60% |
| Texas ratio | 7.39% |
| Allowance for credit losses to loans | 1.22% |
| Reserve coverage of non-performing loans | 103.37% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.16% |
| Return on equity | 9.78% |
| Net interest margin | 3.92% |
| Efficiency ratio | 59.29% |
| Yield on earning assets | 5.52% |
| Cost of funds | 1.76% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 93.90% |
| Core deposits to total deposits | 83.95% |
| Brokered deposits to total deposits | 4.96% |
| Deposits to assets | 86.79% |
| Securities to assets | 6.09% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | — | — | — | 8.40% | 0.59% |
| Q4 2023 | 10.27% | 10.27% | 11.16% | 8.48% | 0.61% |
| Q1 2024 | 10.40% | 10.40% | 11.32% | 8.76% | 0.66% |
| Q2 2024 | 10.47% | 10.47% | 11.41% | 8.86% | 0.79% |
| Q3 2024 | 10.57% | 10.57% | 11.53% | 8.71% | 0.82% |
| Q4 2024 | 11.04% | 11.04% | 12.00% | 8.79% | 1.39% |
| Q1 2025 | 13.83% | 13.83% | 14.86% | 10.69% | -1.37% |
| Q2 2025 | 14.14% | 14.14% | 15.20% | 10.92% | 1.17% |
| Q3 2025 | 14.29% | 14.29% | 15.25% | 10.78% | 1.18% |
| Q4 2025 | 14.54% | 14.54% | 15.53% | 11.68% | 0.99% |
| Q1 2026 | 14.47% | 14.47% | 15.62% | 11.94% | 0.87% |
| Q2 2026 | 14.29% | 14.29% | 15.48% | 12.27% | 1.16% |
Bank of Clarke vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Clarke, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Bank of Clarke profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6123) · FFIEC NIC profile (RSSD 753324)