Bank of Clarkson
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Data as of · sourced from FFIEC call reports. How we update
Bank of Clarkson is an FDIC-insured commercial bank headquartered in Clarkson, KY, established in 1904 (FDIC certificate 13167), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $178.2M, up 6.5% from Q2 2025, the 85th largest of 120 banks headquartered in Kentucky. Its CET1 capital ratio was 19.02% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 13167
- Headquarters
- Clarkson, KY
- Established
- 1904
- Total assets, Q2 2026
- $178.2M
- Assets vs Q2 2025
- +6.5%
- CET1 ratio, Q2 2026
- 19.02%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 083904660
- Latest call report
- Q2 2026, FFIEC 041 · Bank of Clarkson call report
- Holding company
- FIRST BRECKINRIDGE BANCSHARES, INC.
- Asset rank in state
- 85th of 120 in Kentucky
Problem loans are rising at Bank of Clarkson. The Clarkson, Kentucky bank had $178 million in assets at June 30, 2026, up 6.5% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.87% of loans from 0.02% a year earlier. It carries problem assets equal to 11.9% of the capital and reserves that would absorb them, 4.5 times the median of 2.6% for the 2,660 banks with $100 million to $1 billion in assets.
Paper losses on its bond portfolio are shrinking: unrealized losses of $6.4 million equal 28% of Tier 1 capital, down from 36% a year earlier. Loans are outrunning deposits: over the year loans rose 8.4% and deposits rose 4.4%.
As of June 30, 2026, Bank of Clarkson reported a CET1 capital ratio of 19.02%, a return on assets of 1.30%, a nonperforming-loan ratio of 1.87% and a Texas ratio of 11.93%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Bank of Clarkson is the 85th largest of the 120 banks headquartered in Kentucky. Between Q1 2026 and Q2 2026, its total assets fell 1.4% to $178.2M, loans rose 0.2% and deposits were flat. 1-4 family residential loans made up 37.2% of its total loans on June 30, 2026, its largest category; next came construction and land development loans at 17.1%. The FDIC Summary of Deposits lists 2 offices for it, in Clarkson, KY and Leitchfield, KY; its Clarkson office books 74% of its branch deposits. By the capital ratios in its Q2 2026 call report, Bank of Clarkson meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 101 E Main St, Clarkson, KY 42726
- County
- Grayson
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Limited trust powers granted
- Call Report form
- FFIEC 041
- Established
- January 1, 1904
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 21
- Domestic deposits
- $149.7M
- Allowance for credit losses
- $635K
- Net charge-offs (YTD)
- $7K
- Average total assets
- $184.5M
- Average total loans
- $121.0M
- Average interest-bearing deposits
- $107.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 13167
- Fed RSSD
- 720344
- SEC CIK
- 2127309 → filed by FIRST BRECKINRIDGE BANCSHARES, INC.
- Website
- WWW.BANKOFCLARKSON.COM →
- Parent Holding Company
- FIRST BRECKINRIDGE BANCSHARES, INC. (RSSD 1119404)
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
From Q3 2023 to Q2 2026, Bank of Clarkson's total assets ranged from $156.0M (Q3 2023) to $180.6M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$178.2M total assets against $167.3M; $160.0M total liabilities against $151.7M.
$119.6M net loans and leases against $110.2M; $149.7M total deposits against $143.5M.
$40.8M securities against $41.7M; $7.7M cash and balances due against $5.4M.
$2.4M total interest income against $2.2M; $713K total interest expense against $655K.
$1.7M net interest income against $1.6M.
$241K total noninterest income against $256K; $1.2M total noninterest expense against $987K.
$0 provision for credit losses against $3K.
$598K net income against $654K.
1.30% return on assets against 1.50%; 3.98% net interest margin against 3.92%.
19.02% CET1 capital ratio against 18.78%; 12.45% tier 1 leverage ratio against 12.28%.
Inside the full Bank of Clarkson terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeBank of Clarkson rankings
Its closest position to the top of a national ranking is 481 of 3,640, for Texas Ratio; its furthest is 3,112 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.15% (Q3 2024) to 1.77% (Q3 2025) and its net interest margin ran from 3.53% (Q3 2024) to 4.10% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 19.02% | 1.30% | 1.87% | 11.93% | 3.98% |
| Q1 2026 | 18.85% | 1.52% | 0.24% | 1.55% | 3.83% |
| Q4 2025 | 18.93% | 1.58% | 0.00% | 0.00% | 4.10% |
| Q3 2025 | 18.63% | 1.77% | 0.00% | 0.00% | 4.01% |
| Q2 2025 | 18.78% | 1.50% | 0.02% | 0.14% | 3.92% |
| Q1 2025 | 19.01% | 1.32% | 0.08% | 0.56% | 3.75% |
| Q4 2024 | 18.98% | 1.47% | 0.02% | 0.14% | 3.57% |
| Q3 2024 | 19.30% | 1.15% | 0.04% | 0.25% | 3.53% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 Clarkson (main office) | Clarkson , KY | 42726 | $110.2M |
| Main Street Leitchfield Branch | Leitchfield , KY | 42754 | $39.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in KY, rank 110 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 Clarkson
What are Bank of Clarkson's total assets?
As of the Q2 2026 filing, Bank of Clarkson reported total assets of $178.2 million in its FFIEC call report.
Where is Bank of Clarkson headquartered?
It is headquartered in Clarkson, KY, United States.
When was Bank of Clarkson founded?
It was established in 1904, per the FDIC institution directory.
Is Bank of Clarkson FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #13167). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Clarkson?
Bank of Clarkson's primary federal regulator is the FDIC.
What is Bank of Clarkson's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 19.02% 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 Clarkson operate?
It operates 2 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 Clarkson's Texas Ratio?
Its Texas Ratio is 11.93% 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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