Bank of Clarks
Clarks, NE · Cert 16953 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Clark Bancshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
$58.5MAssets
$44.3MLoans
$49.2MDeposits
$5.8MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 61% of banks under $1B in assets operating in a single state (rank 291 of 746).
- Widest gap: total risk-based capital ratio trails 95% of banks under $1B in assets operating in a single state (rank 710 of 746).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.30%
Rank 673 of 746
Net Interest Margin
3.90%
Rank 291 of 746
Efficiency Ratio
90.86%
Rank 692 of 746
Equity / Assets
9.94%
Rank 434 of 746
Non-interest income vs. expense
Unfavorable gap of $2.1M · efficiency ratio beats 7% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.30% | 0.72% | 1.06% | 1.45% | Beats 10% | 673 / 746 | | |
| Return on Equity | 2.99% | 6.74% | 10.51% | 13.63% | Beats 11% | 662 / 746 | | |
| Net Interest Margin | 3.90% | 3.17% | 3.68% | 4.16% | Beats 61% | 291 / 746 | | |
| Efficiency Ratio | 90.86% | 55.74% | 64.58% | 75.47% | Beats 7% | 692 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.20% | 0.09% | 0.42% | 1.07% | Beats 5% | 708 / 743 | | |
| Net Charge-Offs / Loans | 0.05% | 0.00% | 0.01% | 0.05% | Beats 25% | 562 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 9.79% | 11.55% | 13.75% | 17.60% | Beats 5% | 708 / 746 | | |
| Total Risk-Based Capital Ratio | 9.79% | 11.71% | 14.33% | 18.43% | Beats 5% | 710 / 746 | | |
| Equity / Assets | 9.94% | 8.90% | 10.51% | 13.06% | Beats 42% | 434 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 90.22% | 61.31% | 78.27% | 90.78% | 74th pctl | 196 / 746 | | |
| Loans / Assets | 75.88% | 53.60% | 66.97% | 76.08% | 74th pctl | 196 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |