Total Assets
$62M
Total balance-sheet footings
2026 data FDIC sourced Public-data reference.
Bank of Clarks — FDIC Bank Health Profile
Clarks, Nebraska · Est. 1937. Free, sourced from the FDIC BankFind Suite — refreshed each quarter and cross-checked against the FDIC Call Report.
State chartered State member bank FDIC Cert #16953 Kansas City Region
D
Health grade
Weak
Score: 35/100
Basel III capital ratios — Bank of Clarks
Total Deposits
$48M
Customer-funded liabilities
Net Loans
$48M
Outstanding loan book
Net Income
$207K
Bottom-line earnings
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
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
10.82%
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
—
Equity Capital
Tangible book value as a capital buffer
$6M
Profitability Metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1%
0.35%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
3.98%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
84.36%
Income & Expense Breakdown
$4M
Interest Income
$101K
Non-Interest Income
$2M
Non-Interest Expense
FDIC Deposit Insurance
Bank of Clarks is FDIC-insured (Certificate #16953). Your deposits are protected up to $250,000 per depositor, per account category regardless of this bank's health grade.
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. The bank currently holds $62M in total assets and $48M in customer deposits, with $48M deployed as loans. It operates as a State chartered (State member bank) within the FDIC Kansas City region. These figures come directly from the bank's quarterly FDIC Call Report and reflect the balance sheet as of the latest regulatory filing.
On safety metrics, Bank of Clarks reports a Tier 1 Capital Ratio of 10.82% — above the 10% federal threshold for "well-capitalized" status and a Texas Ratio of —. Equity capital stands at $6M, serving as the tangible buffer against loan losses. On profitability, the bank posted a Return on Assets of 0.35% and a Return on Equity of 3.98%, with an Efficiency Ratio of 84.36% — above the 60% benchmark, meaning a larger share of revenue is consumed by operating costs. The combined picture yields a PlainBankData health grade of D (35/100), a composite score that blends all four dimensions.
Not financial advice. This page summarizes public FDIC Call Report data for informational purposes only. Health grades are our interpretation of regulatory filings and are not official FDIC ratings, endorsements, or predictions. Regardless of grade, every dollar on deposit at Bank of Clarks is protected by FDIC insurance up to $250,000 per depositor, per ownership category — even if the bank were to fail. For decisions about where to hold deposits, consult a qualified financial professional and verify the latest figures directly at the FDIC's BankFind Suite.
Top 5 banks in Nebraska by total assets
Source: FDIC BankFind Suite — Call Report (FFIEC 031/041) + CRA performance data Bank of Clarks (FDIC Cert #16953) — Tier 1 capital ratio, total assets, deposits, CRA rating · 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 Omaha Omaha | $34.6B | B | 1.51% |
| Union Bank and Trust Company Lincoln | $9.1B | B | 1.60% |
| Pinnacle Bank Lincoln | $8.9B | B | 1.26% |
| American National Bank Omaha | $5.2B | B | 1.32% |
| Cornerstone Bank York | $2.8B | F | 1.11% |
| Security First Bank Lincoln | $2.2B | C | 0.90% |
| Five Points Bank Grand Island | $2.1B | B | 1.47% |
| Security National Bank of Omaha Omaha | $1.7B | C | 1.28% |
Frequently Asked Questions
What is Bank of Clarks's health grade? ▼
Bank of Clarks receives a health grade of D (35/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows notable financial weaknesses. Your deposits remain FDIC-insured up to $250,000.
How large is Bank of Clarks? ▼
Bank of Clarks holds $62M in total assets and $48M in deposits. It is headquartered in Clarks, Nebraska.
Is my money safe at Bank of Clarks? ▼
Yes. Bank of Clarks is FDIC-insured (Certificate #16953). Your deposits are protected up to $250,000 per depositor, per account category, regardless of the bank's health grade. If a bank fails, the FDIC typically makes insured deposits available within one business day.
What is Bank of Clarks's Tier 1 Capital Ratio? ▼
Bank of Clarks has a Tier 1 Capital Ratio of 10.82%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
How efficient is Bank of Clarks? ▼
Bank of Clarks has an Efficiency Ratio of 84.36%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
Bank Safety Guides
Related Data Sources
Data from the FDIC BankFind Suite API. Financial data as of Q4 2025.
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainBankData Editorial
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the FDIC BankFind Suite. Consult a qualified professional before making decisions based on this data.
Read our methodology — how this data is sourced, computed, and verified.