Bank of Clarks: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bank of Clarks of Clarks, NE against its peer group of 506 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 | 0.32% | 3.13% | -2.81% | 21st bottom |
| ROAE | 3.32% | 10.31% | -6.99% | 26th below |
| Net Interest Margin | 4.17% | 3.94% | +0.23% | 63rd above |
| Efficiency Ratio | 94.18% | 76.29% | +17.89% | 17th bottom |
| PPNR / Avg Assets | 0.22% | 1.41% | -1.19% | 15th bottom |
| Yield on Earning Assets | 6.36% | 5.35% | +1.01% | 86th top |
| Cost of Funds | 2.46% | 1.70% | +0.76% | 16th bottom |
| Net Interest Spread | 3.67% | 3.32% | +0.35% | 64th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.40% | 1.34% | +0.06% | 24th bottom |
| NPA / Total Assets | 1.06% | 0.71% | +0.35% | 19th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.04% | 0.10% | -0.06% | 19th bottom |
| ACL / Total Loans | 1.61% | 1.49% | +0.12% | 73rd above |
| ACL / NPLs (Coverage) | 115.30% | 866.97% | -751.67% | 42nd below |
| Texas Ratio | 21.77% | 8.24% | +13.53% | 7th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 285.71% | 289.99% | -4.28% | 85th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.79% | 17.66% | -7.87% | 16th bottom |
| Equity / Assets | 9.94% | 16.46% | -6.52% | 26th below |
| TCE / Tangible Assets | 9.94% | 16.20% | -6.26% | 27th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 90.22% | 72.81% | +17.41% | 19th bottom |
| Core Deposit Ratio | 92.31% | 88.27% | +4.04% | 55th above |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 5.13% | 5.18% | -0.05% | 37th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.61% | 4.27% | -3.66% | 37th below |
| Loan Growth (Y/Y) | -5.53% | 6.77% | -12.30% | 18th bottom |
| Deposit Growth (Y/Y) | -1.21% | 3.73% | -4.94% | 27th below |
See Bank of Clarks's peers by name
The 506 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bank of Clarks, 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 Clarks profile, how to read a UBPR, or how this data updates.