Bank of Clarks
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Data as of · sourced from FFIEC call reports. How we update
Bank of Clarks is an FDIC-insured commercial bank headquartered in Clarks, NE, established in 1937 (FDIC certificate 16953), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $58.5M, up 0.6% from Q2 2025, the 125th largest of 138 banks headquartered in Nebraska. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.79% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 16953
- Headquarters
- Clarks, NE
- Established
- 1937
- Total assets, Q2 2026
- $58.5M
- Assets vs Q2 2025
- +0.6%
- Tier 1 leverage ratio, Q2 2026
- 9.79%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 104909942
- Latest call report
- Q2 2026, FFIEC 041 · Bank of Clarks call report
- Holding company
- CLARK BANCSHARES, INC.
- Asset rank in state
- 125th of 138 in Nebraska
Problem loans are rising at Bank of Clarks. Based in Clarks, Nebraska, it had $58 million in assets at June 30, 2026. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.92% of loans from 0.27% a year earlier. It carries problem assets equal to 13.1% of the capital and reserves that would absorb them, 9.5 times the median of 1.4% for the 583 banks with less than $100 million in assets. It also funds 9.79% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 13.06%).
Its $4.9 million commercial and industrial book is improving, with 0.53% past due or on nonaccrual, down from 3.05% a year earlier. The balance sheet shrank over the year: over the year loans fell 5.5% and deposits fell 1.2%. Costs are the weak spot: it spends about 94 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 69 cents).
As of June 30, 2026, Bank of Clarks reported a return on assets of 0.32%, a nonperforming-loan ratio of 3.20% and a Texas ratio of 13.06%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Bank of Clarks is the 125th largest of the 138 banks headquartered in Nebraska. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 4.7% to $58.5M, loans fell 4.6% and deposits rose 0.1%. Farmland and other real estate loans made up 33.6% of its total loans on June 30, 2026, its largest category; next came agricultural production loans at 20.6%. Its 3 offices in the FDIC Summary of Deposits are in Silver Creek, NE, Clarks, NE and Columbus, NE; its Silver Creek office books 50% of its branch deposits. Judged on its Q2 2026 call report, Bank of Clarks meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 301 N Green St, Clarks, NE 68628
- County
- Merrick
- Metro Area
- Grand Island, NE
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- February 15, 1937
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 14
- Domestic deposits
- $49.2M
- Allowance for credit losses
- $716K
- Net charge-offs (YTD)
- $7K
- Average total assets
- $59.5M
- Average total loans
- $44.7M
- Average interest-bearing deposits
- $37.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 24, 1950
- FDIC Cert
- 16953
- Fed RSSD
- 76153
- Website
- bankofclarks.net →
- Parent Holding Company
- CLARK BANCSHARES, INC. (RSSD 1065266)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Bank of Clarks reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Bank of Clarks's total assets ranged from $44.9M (Q4 2023) to $62.3M (Q4 2025), and it earned a profit in 9 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$58.5M total assets against $58.1M; $52.6M total liabilities against $53.2M.
$43.6M net loans and leases against $46.3M; $49.2M total deposits against $49.8M.
$5.8M securities against $6.2M; $4.4M cash and balances due against $1.3M.
$845K total interest income against $863K; $291K total interest expense against $285K.
$554K net interest income against $578K.
$26K total noninterest income against $21K; $547K total noninterest expense against $534K.
$0 provision for credit losses against $15K.
$48K net income against $43K.
0.32% return on assets against 0.30%; 4.17% net interest margin against 4.34%.
9.79% tier 1 leverage ratio against 8.48%.
Inside the full Bank of Clarks terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.00% (Q3 2025) to 1.07% (Q1 2025) and its net interest margin ran from 3.64% (Q4 2024) to 4.82% (Q1 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.79% | 0.32% | 3.20% | 13.06% | 4.17% |
| Q1 2026 | 9.29% | 0.25% | 1.35% | 0.93% | 4.37% |
| Q4 2025 | 9.24% | 0.06% | 1.27% | 0.50% | 4.32% |
| Q3 2025 | 9.47% | 0.00% | 1.48% | 2.31% | 4.21% |
| Q2 2025 | 8.48% | 0.30% | 1.51% | 2.32% | 4.34% |
| Q1 2025 | 8.43% | 1.07% | 3.19% | 15.55% | 4.82% |
| Q4 2024 | 8.19% | 0.26% | 1.46% | 1.69% | 3.64% |
| Q3 2024 | 9.37% | 0.80% | 1.65% | 2.40% | 4.42% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 |
|---|---|---|---|
| Farmers State Bank of Silver Creek Branch | Silver Creek , NE | 68663 | $24.7M |
| Bank of Clarks (main office) | Clarks , NE | 68628 | $22.7M |
| Bank of Clarks-Columbus Branch | Columbus , NE | 68601 | $1.7M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 12, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 12, 2003 | Structure Change | Acquired Farmers State Bank of Silver Creek Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in NE, rank 138 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $50K approved, $50K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2003 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Bank of Clarks
What are Bank of Clarks's total assets?
As of the Q2 2026 filing, Bank of Clarks reported total assets of $58.5 million in its FFIEC call report.
Where is Bank of Clarks headquartered?
It is headquartered in Clarks, NE, United States.
When was Bank of Clarks founded?
It was established in 1937, per the FDIC institution directory.
Is Bank of Clarks FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #16953). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Clarks?
Bank of Clarks's primary federal regulator is the FDIC.
How many branches does Bank of Clarks operate?
It operates 3 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 Clarks's Texas Ratio?
Its Texas Ratio is 13.06% 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.
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