Bank of Clarke: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Bank of Clarke is the primary bank subsidiary of its parent holding company, headquartered in Berryville, VA. As of Q2 2026, the bank held approximately $1.8B in total assets and $1.6B in deposits. Earnings are mid-range, 1.16% ROA and a 3.92% net interest margin. Capital is comfortably above regulatory requirements, CET1 ratio of 14.29% sits well above the 7% level required once the capital conservation buffer is included. Credit metrics are in line with industry norms, 1.18% NPL ratio. Bank of Clarke operates a 14-branch network.
As of June 30, 2026, Bank of Clarke reported a CET1 capital ratio of 14.29%, a return on assets of 1.16%, a nonperforming-loan ratio of 1.18%, a Texas ratio of 7.39%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 2 E Main St, Berryville, VA 22611
- County
- Clarke
- Metro Area
- Washington-Arlington-Alexandria, DC-Va-MD-WV
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- April 1, 1881
- Offices
- 14 domestic
- Employees (FTE)
- 259
- Domestic deposits
- $1.60B
- Allowance for credit losses
- $18.3M
- Net charge-offs (YTD)
- $2.2M
- Average total assets
- $1.86B
- Average total loans
- $1.50B
- Average interest-bearing deposits
- $1.14B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 6123
- Fed RSSD
- 753324
- SEC CIK
- 880641 → filed by EAGLE FINANCIAL SERVICES, INC.
- Website
- http://www.bankofclarke.bank →
- Parent Holding Company
- EAGLE FINANCIAL SERVICES, INC. (RSSD 1951770) · EFSI
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Bank of Clarke terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
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How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.29% | 1.16% | 1.18% | 7.39% | 3.92% |
| Q1 2026 | 14.47% | 0.87% | 1.11% | 7.01% | 3.65% |
| Q4 2025 | 14.54% | 0.99% | 1.09% | 6.96% | 3.70% |
| Q3 2025 | 14.29% | 1.18% | 1.01% | 6.58% | 3.67% |
| Q2 2025 | 14.14% | 1.17% | 1.29% | 8.70% | 3.47% |
| Q1 2025 | 13.83% | -1.37% | 1.24% | 8.79% | 2.97% |
| Q4 2024 | 11.04% | 1.39% | 0.29% | 2.70% | 3.09% |
| Q3 2024 | 10.57% | 0.82% | 0.31% | 3.07% | 2.93% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 14 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bank of Clarke (main office) | Berryville , VA | 22611 | $303.2M |
| Old Town Center | Winchester , VA | 22601 | $210.0M |
| East Market Street Branch | Leesburg , VA | 20176 | $171.1M |
| Stephens City Branch | Stephens City , VA | 22655 | $156.0M |
| Purcellville Branch | Purcellville , VA | 20132 | $122.4M |
| Sunnyside Branch | Winchester , VA | 22603 | $122.0M |
| Pleasant Valley Branch | Winchester , VA | 22601 | $114.7M |
| One Loudoun Branch | Ashburn , VA | 20147 | $88.5M |
| Route 50 West Branch | Winchester , VA | 22603 | $78.5M |
| Senseny Road Branch | Winchester , VA | 22602 | $69.9M |
| Boyce Branch | Boyce , VA | 22620 | $54.7M |
| Blackwell Road Branch | Warrenton , VA | 20186 | $53.3M |
| Millbrook Branch | Winchester , VA | 22603 | $48.6M |
| Mclean Branch | Mclean , VA | 22101 | $10.0M |
Regulatory record
What the public regulatory sources show for Bank of Clarke, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- April 15, 2020, Federal Reserve: Civil Money Penalty: Bank of Clarke County, Berryville, Virginia
- Period: Most recent institution action April 15, 2020. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.5% of deposits in VA, rank 25 of 105 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 430 applications, 284 loans originated, $122.9M originated, across 16 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Bank of Clarke
What are Bank of Clarke's total assets?
As of the Q2 2026 filing, Bank of Clarke reported total assets of $1.85 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Bank of Clarke headquartered?
Bank of Clarke is headquartered in Berryville, VA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Bank of Clarke founded?
Bank of Clarke was established in 1881, per the FDIC institution directory.
Is Bank of Clarke FDIC-insured?
Yes. Bank of Clarke is an FDIC-insured commercial bank (FDIC Certificate #6123). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Clarke?
Bank of Clarke's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Bank of Clarke's CET1 capital ratio?
Bank of Clarke reported a Common Equity Tier 1 (CET1) capital ratio of 14.29% 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 Clarke operate?
Bank of Clarke operates 14 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 Clarke's Texas Ratio?
Bank of Clarke's Texas Ratio is 7.39% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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