Total Assets
$62M
Total balance-sheet footings
FDIC Cert #16953 · Clarks, Nebraska · Est. 1937
Bank of Clarks - FDIC Bank Health Profile
A community-scale look at Bank of Clarks's own numbers, pulled straight from its quarterly FDIC Call Report.
- $62M
- Total assets
- C
- Health grade · Fair
- 0.35%
- Return on assets
- 10.8%
- Tier 1 capital
Data updated July 2026
The verdict
Bank of Clarks earns a PlainBankData health grade of C (51/100), with well-capitalized at 10.82% Tier 1, 0.35% ROA, 84% efficiency ratio.
- #4,036
- largest of 4,313 FDIC banks by assets
- 6th
- percentile by asset size, nationally
- 10.82%
- Tier 1 ratio - above the 10% well-capitalized line
- 11th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Bank of Clarks's 51/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Bank of Clarks's composite health score
Tier 1 Capital Ratio (10.82%) 28/40
Return on Assets (ROA) (0.35%) 7/25
Texas Ratio (9.47%) 16/20
Efficiency Ratio (84.36%) 0/15
51 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$48M
Customer-funded liabilities
Net Loans
$48M
Outstanding loan book
Net Income
$207K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Bank of Clarks ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Bank of Clarks's score of 51/100 falls in the highlighted band.
Bank of Clarks's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Bank of Clarks's $62M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
10.82% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.82%
Texas Ratio
9.47%
Equity Capital
$6M
Profitability metrics
Return on Assets (ROA)
11th percentile nationally
0.35%
Return on Equity (ROE)
3.98%
Efficiency Ratio
84.36%
What the numbers say about Bank of Clarks
Bank of Clarks is an FDIC-insured institution (Certificate #16953) headquartered in Clarks, Nebraska, established in 1937. It holds $62M in total assets - 4,036th of 4,313 FDIC-insured banks, $48M in customer deposits, and $48M in net loans. Its capital position: a Tier 1 ratio of 10.82%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 9.47% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of C (51 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Bank of Clarks is a community-scale institution -- 123rd of 142 FDIC-insured banks headquartered in Nebraska by asset size. Its modest footprint doesn't diminish its role: community banks this size are typically the primary lender for small local businesses and agricultural borrowers that larger regional banks tend to underserve.
Income & expense breakdown
$4M
Interest Income
$101K
Non-Interest Income
$2M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Bank of Clarks reports a Texas Ratio of 9.47% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
9.47% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Nebraska by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Bank of Clarks (FDIC Cert #16953) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Nebraska
All Nebraska banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| First National Bank of OmahaOmaha | $34.6B | A | 1.51% |
| Union Bank and Trust CompanyLincoln | $9.1B | A | 1.60% |
| Pinnacle BankLincoln | $8.9B | A | 1.26% |
| American National BankOmaha | $5.2B | A | 1.32% |
| Cornerstone BankYork | $2.8B | B | 1.11% |
| Security First BankLincoln | $2.2B | B | 0.90% |
| Five Points BankGrand Island | $2.1B | A | 1.47% |
| Security National Bank of OmahaOmaha | $1.7B | A | 1.28% |
Frequently asked questions
What is Bank of Clarks's health grade?▼
Bank of Clarks receives a health grade of C (51/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Bank of Clarks?▼
Bank of Clarks holds $62M in total assets and $48M in deposits, ranking 4,036th of 4,313 FDIC-insured banks by asset size. It is headquartered in Clarks, Nebraska.
Is my money safe at Bank of Clarks?▼
Yes, deposits at Bank of Clarks (Certificate #16953) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Bank of Clarks's Tier 1 Capital Ratio?▼
Bank of Clarks has a Tier 1 Capital Ratio of 10.82%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Bank of Clarks?▼
Bank of Clarks has a Texas Ratio of 9.47%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Bank of Clarks?▼
Bank of Clarks has an Efficiency Ratio of 84.36%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Bank of Clarks's profile as a depositor or analyst.
- Bank of Clarks's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Bank of Clarks against other Nebraska banks before moving funds. Nebraska banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.