Total Assets
$174M
Total balance-sheet footings
FDIC Cert #13167 · Clarkson, Kentucky · Est. 1904
Bank of Clarkson - FDIC Bank Health Profile
A community-scale look at Bank of Clarkson's own numbers, pulled straight from its quarterly FDIC Call Report.
- $174M
- Total assets
- A
- Health grade · Excellent
- 1.61%
- Return on assets
- 18.9%
- Tier 1 capital
Data updated July 2026
The verdict
Bank of Clarkson earns a PlainBankData health grade of A (97/100), with well-capitalized at 18.93% Tier 1, profitable at 1.61% ROA, efficient (53% cost ratio).
- #3,190
- largest of 4,313 FDIC banks by assets
- 26th
- percentile by asset size, nationally
- 18.93%
- Tier 1 ratio - above the 10% well-capitalized line
- 79th
- 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 Clarkson's 97/100 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 Clarkson's composite health score
Tier 1 Capital Ratio (18.93%) 40/40
Return on Assets (ROA) (1.61%) 25/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (52.81%) 12/15
97 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$142M
Customer-funded liabilities
Net Loans
$118M
Outstanding loan book
Net Income
$3M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Bank of Clarkson ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Bank of Clarkson's score of 97/100 falls in the highlighted band.
Bank of Clarkson'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 Clarkson's $174M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
18.93% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
18.93%
Texas Ratio
0.00%
Equity Capital
$18M
Profitability metrics
Return on Assets (ROA)
79th percentile nationally
1.61%
Return on Equity (ROE)
17.06%
Efficiency Ratio
52.81%
What the numbers say about Bank of Clarkson
Bank of Clarkson is an FDIC-insured institution (Certificate #13167) headquartered in Clarkson, Kentucky, established in 1904. It holds $174M in total assets - 3,190th of 4,313 FDIC-insured banks, $142M in customer deposits, and $118M in net loans. Capital-wise, the Tier 1 ratio sits at 18.93%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 0.00%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of A (97 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 Clarkson sits 87th of 120 banks headquartered in Kentucky by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$9M
Interest Income
$1M
Non-Interest Income
$4M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Bank of Clarkson reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Kentucky by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Bank of Clarkson (FDIC Cert #13167) - 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 Kentucky
All Kentucky banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Stock Yards Bank & Trust CompanyLouisville | $9.5B | A | 1.57% |
| Republic Bank & Trust CompanyLouisville | $7.0B | A | 1.89% |
| Community Trust Bank, Inc.Pikeville | $6.6B | A | 1.50% |
| Central Bank & Trust Co.Lexington | $3.9B | B | 1.16% |
| Independence Bank of KentuckyOwensboro | $3.8B | B | 0.80% |
| Traditional Bank, Inc.Mount Sterling | $2.5B | B | 0.80% |
| Heritage Bank, Inc.Burlington | $2.1B | B | 1.08% |
| South Central Bank, Inc.Glasgow | $2.1B | A | 1.25% |
Frequently asked questions
What is Bank of Clarkson's health grade?▼
Bank of Clarkson receives a health grade of A (97/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Bank of Clarkson?▼
Bank of Clarkson holds $174M in total assets and $142M in deposits, ranking 3,190th of 4,313 FDIC-insured banks by asset size. It is headquartered in Clarkson, Kentucky.
Is my money safe at Bank of Clarkson?▼
Yes, deposits at Bank of Clarkson (Certificate #13167) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Bank of Clarkson's Tier 1 Capital Ratio?▼
Bank of Clarkson has a Tier 1 Capital Ratio of 18.93%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Bank of Clarkson?▼
Bank of Clarkson has a Texas Ratio of 0.00%. 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 Clarkson?▼
Bank of Clarkson has an Efficiency Ratio of 52.81%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Bank of Clarkson's profile as a depositor or analyst.
- Bank of Clarkson's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Bank of Clarkson against other Kentucky banks before moving funds. Kentucky 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.