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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Clarkson, NE · FDIC certificate #14581
CLARKSON BANK is an FDIC-insured institution based in Clarkson, NE (FDIC certificate #14581). In its Q3 2026 Call Report it reported total assets of $81M, total deposits of $70M and net loans of $42M. Its primary federal regulator is FDIC.
Plain-language readout
CLARKSON BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $81M in Q2 2026 and were lowest at $76M in Q1 2026.
Total deposits were highest at $71M in Q2 2026 and lowest at $66M in Q1 2026.
Over the whole period total assets rose 6.1%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $81M | $70M | $42M | 1.85% | 18.26% | 3.78% |
| Q2 2026 | $81M | $71M | $42M | 1.71% | 16.74% | 3.68% |
| Q1 2026 | $76M | $66M | $43M | 1.61% | 15.63% | 3.62% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $10.2M | $3.3M | +$6.9M | +206.7% |
| 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) | $27.0M | $28.3M | -$1.4M | -4.9% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $42.5M | $42.7M | -$174K | -0.4% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $106K | $108K | -$2K | -1.9% |
| 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 | $1.7M | $1.9M | -$249K | -12.8% |
| Total assets | $81.4M | $76.4M | +$5.0M | +6.6% |
| Liabilities | ||||
| Total deposits | $70.7M | $65.9M | +$4.8M | +7.3% |
| 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 | $2.3M | $2.3M | $0K | 0.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $232K | $197K | +$35K | +17.8% |
| Total liabilities | $73.2M | $68.4M | +$4.8M | +7.1% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $400K | $400K | $0K | 0.0% |
| Surplus | $1.9M | $1.9M | $0K | 0.0% |
| Retained earnings | $6.6M | $6.4M | +$144K | +2.2% |
| Accumulated other comprehensive income | -$733K | -$799K | +$66K | +8.3% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $8.2M | $8.0M | +$210K | +2.6% |
| Credit and capital | ||||
| Gross nonperforming assets | $84K | $92K | -$8K | -8.7% |
| Adjusted nonperforming assets | $84K | $92K | -$8K | -8.7% |
| Tangible equity plus allowance | $9.1M | $8.9M | +$210K | +2.4% |
| Texas ratio (gross) | 0.92% | 1.04% | -0.11 pts | See points |
| Texas ratio (adjusted) | 0.92% | 1.04% | -0.11 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.92% | 1.04% | -0.11 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 11.04% | 11.20% | -0.16 pts | See points |
| Construction and land loans to total capital | 0.00% | 0.00% | 0.00 pts | See points |
| Commercial real estate to total capital | 29.85% | 28.81% | +1.03 pts | See points |
| Dividend payout, year to date | 56.02% | 51.45% | +4.57 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -10.38% | -11.50% | +1.11 pts | See points |
| Liquidity | ||||
| Core deposits | $65.3M | $60.6M | +$4.8M | +7.9% |
| Non-core funding | $7.6M | $7.6M | +$33K | +0.4% |
| Loans to core deposits | 66.39% | 71.91% | -5.52 pts | See points |
| Loans to deposits | 61.37% | 66.11% | -4.74 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 53.89% | 49.98% | +3.91 pts | See points |
| Loans pledged, share of loans | 40.20% | 43.07% | -2.87 pts | See points |
| Volatile liabilities | $8.8M | $8.8M | +$33K | +0.4% |
| Earnings | ||||
| Earnings before provision, year to date | $777K | $364K | +$413K | +113.5% |
| Earnings before provision, single quarter | $413K | $364K | +$49K | +13.5% |
| Provision for credit losses, year to date | $0K | $0K | $0K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 6.69% | 6.58% | +0.11 pts | See points |
| Yield on interest-bearing balances due from banks | 0.75% | 3.02% | -2.27 pts | See points |
| Total interest income to average assets | 4.96% | 4.93% | +0.03 pts | See points |
| Cost of interest-bearing transaction accounts | 0.49% | 0.51% | -0.01 pts | See points |
| Cost of savings and money market deposits | 1.04% | 1.06% | -0.01 pts | See points |
| Cost of time deposits | 3.29% | 3.30% | -0.01 pts | See points |
| Total interest expense to average assets | 1.38% | 1.50% | -0.12 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 | $81M | $70M | $42M | 1.85% | 18.26% | 3.78% |
| 2026-06-30 | $81M | $71M | $42M | 1.71% | 16.74% | 3.68% |
| 2026-03-31 | $76M | $66M | $43M | 1.61% | 15.63% | 3.62% |
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 | $64.1M | 0.07% | 126 | Continuing · +0.00 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.