Bank of Clarkson: 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 4.00 percentage points lower than in Q1 2026, at 28.50%. Bank of Clarkson ranks 57th of 119 Kentucky banks on return on assets, in the upper half at 1.30% (Q2 2026). Bank of Clarkson reported 1.30% on return on assets for Q2 2026, 0.04 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 19.02% |
| Tier 1 risk-based capital ratio | 19.02% |
| Total risk-based capital ratio | 19.55% |
| Tier 1 leverage ratio | 12.45% |
| Equity capital to assets | 10.23% |
| Tangible equity to tangible assets | 10.23% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.85% |
| Non-performing assets ratio | 1.25% |
| Net charge-off ratio | 0.02% |
| Texas ratio | 11.93% |
| Allowance for credit losses to loans | 0.53% |
| Reserve coverage of non-performing loans | 28.50% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.30% |
| Return on equity | 13.34% |
| Net interest margin | 3.98% |
| Efficiency ratio | 59.57% |
| Yield on earning assets | 5.62% |
| Cost of funds | 1.79% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.30% |
| Core deposits to total deposits | 82.49% |
| Brokered deposits to total deposits | 8.69% |
| Deposits to assets | 84.02% |
| Securities to assets | 22.88% |
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 | 19.49% | 19.49% | 20.01% | 13.02% | 1.71% |
| Q4 2023 | 18.87% | 18.87% | 19.38% | 12.50% | 1.58% |
| Q1 2024 | 20.39% | 20.39% | 20.96% | 12.42% | 1.44% |
| Q2 2024 | 20.23% | 20.23% | 20.83% | 11.73% | 1.15% |
| Q3 2024 | 19.30% | 19.30% | 19.89% | 11.87% | 1.15% |
| Q4 2024 | 18.98% | 18.98% | 19.54% | 12.34% | 1.47% |
| Q1 2025 | 19.01% | 19.01% | 19.59% | 12.28% | 1.32% |
| Q2 2025 | 18.78% | 18.78% | 19.34% | 12.28% | 1.50% |
| Q3 2025 | 18.63% | 18.63% | 19.18% | 12.38% | 1.77% |
| Q4 2025 | 18.93% | 18.93% | 19.48% | 12.40% | 1.58% |
| Q1 2026 | 18.85% | 18.85% | 19.39% | 12.36% | 1.52% |
| Q2 2026 | 19.02% | 19.02% | 19.55% | 12.45% | 1.30% |
Bank of Clarkson vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Clarkson, 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 Clarkson profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13167) · FFIEC NIC profile (RSSD 720344)