Bank of Clarks


301 N Green St
Clarks, NE 68628
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 6.25% →
1-Year CD N.A. 5.25% →
2-Year CD N.A. 5.00% →
5-Year CD N.A. 4.67% →
30-Year Mortgage N.A. 0.00% →
15-Year Mortgage N.A. 0.00% →
HELOC N.A. 0.99% →

2023 Overview

General Bank Information

Bank of Clarks is an FDIC insured institution located in Clarks, NE. It was founded in 0000 and has approximately $0.04 billion in assets. Customers can open an account at one of its 2 branches.

FDIC Insured Yes
FDIC Certificate # 16953
Date Established 0000
Assets $ 43.02 million
Loans $ 26.13 million
Deposits $ 37.38 million
Capital $ 4.53 million

For a more detailed analysis of Bank of Clarks's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - June 5, 2023

Your Current Location: Virginia, VA 20146


Loan Rates - June 5, 2023

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Bank of Clarks

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2023

Lender APR Rate (%) Monthly
Learn More
PenFed Credit Union
NMLS ID: 401822
5.910% 5.750%
0.75 points
$4,375 fees
$1,459 Learn More
Morty, Inc.
NMLS ID: 1429243
5.936% 5.875%
0.63 points
$1,660 fees
$1,479 Learn More
Good Day Financial, LLC
NMLS ID: 1984206
License#: #: MC-7440
7.144% 6.999%
0.75 points
$3,907 fees
$1,664 Learn More
NMLS ID: Not a Lender

Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2023

Lender APR (%)? Monthly Payment? Learn More

Note to Bank of Clarks
To upload and update your bank's rates please register. It is free to register and add rates.


Bank of Clarks branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

Bank of Clarks Locations

Climate Initiatives

Bank of Clarks is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.

Financial Details

Bank of Clarks Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bank of Clarks. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Bank of Clarks U.S. Bank Average
19.05% 4.09%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of December 31, 2022, Bank of Clarks had $968,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $4,533,000 in equity and $549,000 in loans loss reserves. That gives it a Texas Ratio of 19.05%.

Return on Equity
Bank of Clarks U.S. Bank Average
4.46% 10.02%

Bank of Clarks has a Return on Equity of 4.46% versus the BestCashCow average of 10.02%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Bank of Clarks U.S. Bank Average
10.54% 10.44%

Bank of Clarks has a Capitalization of 10.54% versus the BestCashCow average of 10.44. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Bank of Clarks Balance Sheet Analysis

As of December 31, 2022, Bank of Clarks had assets of $43,017,000, loans of $26,134,000, and deposits of $37,375,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

December 31, 2022
Cash & Balances due from depository institutions $ 1.39 million
Interest-bearing balances $ 0.01 million
Total securities $ 13.77 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 26.13 million
Loan loss allowance $ 0.55 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 1.03 million
     Total Assets $ 38.48 million
Total deposits $ 37.38 million
      Interest-bearing deposits $ 25.89 million
      Deposits held in domestic offices $ 37.38 million
      % insured (estimated) 89.18%
Federal funds purchased and repurchase agreements $ 0.49 million
Trading liabilities N.A.
Other borrowed funds $ 0.40 million
Subordinated debt N.A.
All other liabilities $ 0.18 million
      Total Liabilities $ 38.48 million
      Shareholders’ Equity $ 4.53 million

Summary Income Statement

December 31, 2022
Total Interest Income $ 1.52 million
Total Interest Expense $ 0.20 million
Net interest income $ 1.32 million
Provision for loan and lease losses $ 0.03 million
Total non interest income $ 0.10 million
Total non interest expense $ 1.20 million
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in Bank of Clarks’s loan portfolio are Farm Loans, Consumer Auto Loans, and 1-4 Family Residential Loans.

Compared to other banks in Nebraska, Bank of Clarks has a significantly higher percent of Consumer Auto Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 7.94
Credit Card Loans 0.00
Consumer Auto Loans 10.27
Small Business Loans 1.94
Construction and Development Loans 0.00
Commercial Real Estate 3.91
Commercial and Industrial Loans 7.71
Farm Loans 26.31

Customer Reviews for Bank of Clarks

There are currently no comments for Bank of Clarks. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →