Bank Comparison
Bank of Clarke vs National Bank of Blacksburg, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 14
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Bank of Clarke | National Bank of Blacksburg, the |
|---|---|---|
| CET1 Ratio | 14.47% | 16.61% |
| Tier 1 Capital Ratio | 14.47% | 16.61% |
| Total Capital Ratio | 15.62% | 17.46% |
| Tier 1 Leverage Ratio | 11.94% | 10.69% |
| Equity / Assets | 11.88% | 9.01% |
Profitability
| Metric | Bank of Clarke | National Bank of Blacksburg, the |
|---|---|---|
| Return on Assets (ROA) | 0.87% | 1.10% |
| Return on Equity (ROE) | 7.51% | 12.51% |
| Net Interest Margin (NIM) | 3.65% | 2.94% |
| Yield on Earning Assets | 5.35% | 4.38% |
| Cost of Funds | 1.86% | 1.53% |
Asset quality
| Metric | Bank of Clarke | National Bank of Blacksburg, the |
|---|---|---|
| Texas Ratio | 7.01% | 0.35% |
| Non-Performing Loan Ratio | 1.11% | 0.03% |
| Non-Performing Asset Ratio | 0.89% | 0.02% |
| Net Charge-Off Ratio | -0.01% | 0.04% |
| ACL / Loans | 1.18% | 0.98% |
Balance sheet
| Metric | Bank of Clarke | National Bank of Blacksburg, the |
|---|---|---|
| Total Assets | $1,838M | $1,826M |
| Total Deposits | $1,599M | $1,651M |
| Total Loans | $1,464M | $995,998K |
| Total Equity | $218,318K | $164,583K |
| Net Income (quarter) | $4,088K | $5,109K |
Liquidity & funding
| Metric | Bank of Clarke | National Bank of Blacksburg, the |
|---|---|---|
| Loan-to-Deposit Ratio | 91.53% | 60.32% |
| Core Deposit Ratio | 89.17% | 95.44% |
| Uninsured Deposit Ratio | 26.26% | 40.33% |
Identity
| Metric | Bank of Clarke | National Bank of Blacksburg, the |
|---|---|---|
| Headquarters City | BERRYVILLE | BLACKSBURG |
| Headquarters State | VA | VA |
| Asset Tier | Large | Large |
| Charter Class | 0 | 12229 |
| Regulator | FED | OCC |
| Domestic Branches | 15 | 28 |
| Employees (FTE) | 253 | 254 |
| Established | April 1, 1881, midnight | Jan. 1, 1891, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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