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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 13167 · KY A · 97/100

GRADE-A · TOP-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-A A (97/100)
  • TOP-DECILE #236/4307
  • PHOTO-FINISH Town & Country Bank · MO
  • TIER1-WELL 18.9% Tier 1
  • TEXAS-CLEAN 0.0% Texas
  • ROA-STRONG 1.61% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Kentucky: Town & Country Bank, MO (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Bank of Clarkson

Lowest and highest poles plus nearest scored peers outside Kentucky, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank of Clarkson · KY · this…97/100Farmers and Merchant… · MN ·…97/100First United Bank · TX · near97/100SouthStar Bank, S.S.B. · TX …97/100Town & Country Bank · MO · n…97/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Bank of Clarkson · July 2026

What Bank of Clarkson's Call Report plate shows

Bank of Clarkson (FDIC Cert #13167) carries a PlainBankData health grade of A at 97/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #236 of 4,307. Tier 1 capital prints at 18.93%, clearing the 10% well-capitalized line. The Texas Ratio is 0.00%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.61%. Balance-sheet scale is $174M, 3,190th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Town & Country Bank (MO), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Bank of Clarkson

3 FAILURE resolutions in Kentucky since 2000 (3 since 2008)

Bank of Clarkson's home state sits in the middle band of post-2000 FAILURE counts (3; 3 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Bank of Clarkson remains an active FDIC-insured reporter.

  • LOUISA COMMUNITY BANK LOUISA, KY 2019 → KENTUCKY FARMERS BANK CORPORATION
  • FIRST FEDERAL BANK LEXINGTON, KY 2013 → YOUR COMMUNITY BANK
  • IRWIN UNION BANK, FSB LOUISVILLE, KY 2009 → FIRST FINANCIAL BANK, N.A.

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Kentucky banks.

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.

0/100100/100National avg77/10097/100
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 Assets

$174M

Total balance-sheet footings

Total Deposits

$142M

Customer-funded liabilities

Net Loans

$118M

Outstanding loan book

Net Income

$3M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 5% 10% 15% 20% 25% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 17.53% 18.93% 20.33%
Basel III capital ratios - Bank of Clarkson

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

97 Top 5% higher than 95% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. Bank of Clarkson 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

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 ratios for Bank of Clarkson

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

What these ratios mean →

Earnings posture at Bank of Clarkson

Return on Assets (ROA)
79th percentile nationally
1.61%
Return on Equity (ROE)
17.06%
Efficiency Ratio
52.81%

What these mean →

Income & expense at Bank of Clarkson

$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.

FDIC Failed Bank List → View Bank of Clarkson on FDIC BankFind →

Top banks in Kentucky by total assets

Largest banks headquartered in Kentucky
  1. 1
    Stock Yards Bank & Trust Company $9.5B

    Louisville, KY · Grade A

  2. 2
    Republic Bank & Trust Company $7.0B

    Louisville, KY · Grade A

  3. 3
    Community Trust Bank, Inc. $6.6B

    Pikeville, KY · Grade A

  4. 4
    Central Bank & Trust Co. $3.9B

    Lexington, KY · Grade B

  5. 5
    Independence Bank of Kentucky $3.8B

    Owensboro, KY · Grade B

Top 5 banks in Kentucky ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($174M here), outside Kentucky so the neighborhood is not state containment.

The Putnam County National Bank of Ca… $174M · NY The Community Bank $174M · KS First State Bank $174M · TX Farmers & Merchants Bank & Trust $174M · WI

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.

Bank of Clarkson Call Report profile · FDIC Failed Bank List · Kentucky FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Kentucky

All Kentucky banks →
BankAssetsGradeROA
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%