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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Clarks, NE · FDIC certificate #16953
BANK OF CLARKS is an FDIC-insured institution based in Clarks, NE (FDIC certificate #16953). In its Q3 2026 Call Report it reported total assets of $61M, total deposits of $47M and net loans of $45M. Its primary federal regulator is FDIC.
Plain-language readout
BANK OF CLARKS has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $61M in Q1 2026 and were lowest at $58M in Q2 2026.
Total deposits were highest at $49M in Q2 2026 and lowest at $47M in Q3 2026.
Over the whole period total assets fell 1.1%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $61M | $47M | $45M | 0.25% | 2.58% | 4.26% |
| Q2 2026 | $58M | $49M | $44M | 0.29% | 3.02% | 4.31% |
| Q1 2026 | $61M | $49M | $46M | 0.25% | 2.71% | 4.43% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $4.4M | $4.9M | -$482K | -9.9% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $5.7M | $5.7M | -$53K | -0.9% |
| Equity securities with readily determinable fair values, not held for trading | $82K | $64K | +$18K | +28.1% |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $43.6M | $45.8M | -$2.1M | -4.6% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $2.9M | $2.9M | -$26K | -0.9% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $1.8M | $2.0M | -$218K | -10.8% |
| Total assets | $58.5M | $61.3M | -$2.9M | -4.7% |
| Liabilities | ||||
| Total deposits | $49.2M | $49.1M | +$32K | +0.1% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $3.0M | $6.0M | -$3.0M | -50.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $484K | $440K | +$44K | +10.0% |
| Total liabilities | $52.6M | $55.6M | -$2.9M | -5.3% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $500K | $500K | $0K | 0.0% |
| Surplus | $2.3M | $2.3M | $0K | 0.0% |
| Retained earnings | $3.0M | $3.0M | +$48K | +1.6% |
| Accumulated other comprehensive income | -$14K | -$11K | -$3K | -27.3% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $5.8M | $5.8M | +$45K | +0.8% |
| Credit and capital | ||||
| Gross nonperforming assets | $1.4M | $629K | +$792K | +125.9% |
| Adjusted nonperforming assets | $852K | $60K | +$792K | +1320.0% |
| Tangible equity plus allowance | $6.5M | $6.5M | +$40K | +0.6% |
| Texas ratio (gross) | 21.77% | 9.70% | +12.08 pts | See points |
| Texas ratio (adjusted) | 13.06% | 0.93% | +12.13 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 13.06% | 0.93% | +12.13 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | 11.31% | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | 11.31% | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | 1.25% | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | 12.56% | Not reported | See points |
| Tier 1 leverage (approximate) | 9.79% | 9.29% | +0.50 pts | See points |
| Construction and land loans to total capital | 11.21% | 0.00% | +11.21 pts | See points |
| Commercial real estate to total capital | 100.70% | 106.70% | -6.00 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -1.75% | -1.66% | -0.09 pts | See points |
| Liquidity | ||||
| Core deposits | $45.4M | $45.4M | +$24K | +0.1% |
| Non-core funding | $6.8M | $9.8M | -$3.0M | -30.6% |
| Loans to core deposits | 97.73% | 102.47% | -4.73 pts | See points |
| Loans to deposits | 90.22% | 94.60% | -4.38 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 54.60% | 54.06% | +0.54 pts | See points |
| Loans pledged, share of loans | 22.85% | 21.81% | +1.04 pts | See points |
| Volatile liabilities | $6.8M | $9.8M | -$3.0M | -30.6% |
| Earnings | ||||
| Earnings before provision, year to date | $112K | $79K | +$33K | +41.8% |
| Earnings before provision, single quarter | $33K | $79K | -$46K | -58.2% |
| Provision for credit losses, year to date | $20K | $20K | $0K | 0.0% |
| Yield and cost | ||||
| Yield on loans and leases | 6.84% | 7.01% | -0.17 pts | See points |
| Yield on interest-bearing balances due from banks | 0.00% | 0.00% | 0.00 pts | See points |
| Total interest income to average assets | 5.68% | 5.80% | -0.12 pts | See points |
| Cost of interest-bearing transaction accounts | 0.98% | 1.07% | -0.09 pts | See points |
| Cost of savings and money market deposits | 2.29% | 2.24% | +0.05 pts | See points |
| Cost of time deposits | 3.69% | 3.65% | +0.03 pts | See points |
| Total interest expense to average assets | 1.96% | 1.90% | +0.05 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $61M | $47M | $45M | 0.25% | 2.58% | 4.26% |
| 2026-06-30 | $58M | $49M | $44M | 0.29% | 3.02% | 4.31% |
| 2026-03-31 | $61M | $49M | $46M | 0.25% | 2.71% | 4.43% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| NE | $49.8M | 0.05% | 140 | Continuing · +0.01 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.