Clarkson Bank: 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 climbed 92.55 percentage points in Q2 2026, from 971.74% to 1064.29%. It was the largest change from Q1 2026 among the key lines here. Clarkson Bank ranks 34th of 138 Nebraska banks on return on assets, in the upper half at 1.79% (Q2 2026). Against a median of 0.98% for banks in the < $100M asset tier, Clarkson Bank reported 1.79% on return on assets in Q2 2026, 0.81 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.04% |
| Equity capital to assets | 10.08% |
| Tangible equity to tangible assets | 10.08% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.19% |
| Non-performing assets ratio | 0.10% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.92% |
| Allowance for credit losses to loans | 2.06% |
| Reserve coverage of non-performing loans | 1064.29% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.79% |
| Return on equity | 17.88% |
| Net interest margin | 3.79% |
| Efficiency ratio | 42.75% |
| Yield on earning assets | 5.20% |
| Cost of funds | 1.63% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 61.37% |
| Core deposits to total deposits | 92.44% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.81% |
| Securities to assets | 33.11% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 11.08% | 0.87% | 2.54% | 0.05% | 0.00% |
| Q4 2023 | 11.17% | 0.79% | 2.59% | 0.05% | 0.00% |
| Q1 2024 | 11.05% | 0.94% | 2.68% | 0.04% | -0.01% |
| Q2 2024 | 11.27% | 1.02% | 2.76% | 0.04% | 0.00% |
| Q3 2024 | 11.27% | 1.03% | 2.85% | 0.04% | -0.01% |
| Q4 2024 | 11.21% | 1.16% | 2.92% | 0.03% | 0.00% |
| Q1 2025 | 11.21% | 1.12% | 2.98% | 0.35% | -0.01% |
| Q2 2025 | 11.29% | 1.35% | 3.27% | 0.33% | 0.00% |
| Q3 2025 | 11.56% | 1.52% | 3.52% | 0.28% | -0.01% |
| Q4 2025 | 11.25% | 1.20% | 3.49% | 0.22% | 0.00% |
| Q1 2026 | 11.20% | 1.58% | 3.65% | 0.21% | -0.01% |
| Q2 2026 | 11.04% | 1.79% | 3.79% | 0.19% | 0.00% |
Clarkson Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Clarkson Bank, 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 Clarkson Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14581) · FFIEC NIC profile (RSSD 1007958)