Bank Of Clarke (FDIC certificate #6123) is based in Berryville, Virginia. Its Q2 2026 call report shows $1.8B in total assets and $1.6B in deposits and 14 offices.
Based on its Q2 2026 filing, Bank Of Clarke scores 67/100, which we describe as moderate. That is higher than only 44% of 897 banks with $1 billion – $10 billion. Among 56 banks headquartered in Virginia, it ranks 39th. Its strongest component is problem-loan coverage (87/100; 6.7%), and its lowest is funding & liquidity (54/100; 93% loans-to-deposits, 27% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 13 points (54 → 67), mostly because the earnings component improved by 45 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 63 |
| Q3 2024 | 63 |
| Q4 2024 | 65 |
| Q1 2025 | 50 |
| Q2 2025 | 54 |
| Q3 2025 | 59 |
| Q4 2025 | 62 |
| Q1 2026 | 65 |
| Q2 2026 | 67 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.86% |
| Q3 2024 | 8.71% |
| Q4 2024 | 8.79% |
| Q1 2025 | 10.69% |
| Q2 2025 | 10.92% |
| Q3 2025 | 10.78% |
| Q4 2025 | 11.68% |
| Q1 2026 | 11.94% |
| Q2 2026 | 12.27% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.20% |
| Q3 2024 | 0.18% |
| Q4 2024 | 0.14% |
| Q1 2025 | 1.16% |
| Q2 2025 | 1.20% |
| Q3 2025 | 0.91% |
| Q4 2025 | 0.98% |
| Q1 2026 | 1.02% |
| Q2 2026 | 1.07% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.72% |
| Q3 2024 | 0.75% |
| Q4 2024 | 0.92% |
| Q1 2025 | -1.41% |
| Q2 2025 | -0.10% |
| Q3 2025 | 0.34% |
| Q4 2025 | 0.50% |
| Q1 2026 | 0.88% |
| Q2 2026 | 1.02% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 67 | $1.8B | 12.27% | 1.07% | 1.02% | 92.8% |
| Q1 2026 | 65 | $1.8B | 11.94% | 1.02% | 0.88% | 90.4% |
| Q4 2025 | 62 | $1.9B | 11.68% | 0.98% | 0.50% | 91.0% |
| Q3 2025 | 59 | $1.9B | 10.78% | 0.91% | 0.34% | 87.4% |
| Q2 2025 | 54 | $2.0B | 10.92% | 1.20% | -0.10% | 80.5% |
| Q1 2025 | 50 | $1.9B | 10.69% | 1.16% | -1.41% | 88.9% |
| Q4 2024 | 65 | $1.9B | 8.79% | 0.14% | 0.92% | 92.3% |
| Q3 2024 | 63 | $1.9B | 8.71% | 0.18% | 0.75% | 95.2% |
| Q2 2024 | 63 | $1.8B | 8.86% | 0.20% | 0.72% | 96.5% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Virginia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The National Bank of BlacksburgBank Blacksburg, VA | 70 out of 100, Strong | $1.8B | 10.5% | 0.06% | vs |
| Old Dominion National BankBank Charlottesville, VA | 64 out of 100, Moderate | $1.8B | 11.8% | 0.85% | vs |
| Chesapeake BankBank Kilmarnock, VA | 81 out of 100, Strong | $1.7B | 11.2% | 0.24% | vs |
| Virginia National BankBank Charlottesville, VA | 83 out of 100, Strong | $1.6B | 13.2% | 0.47% | vs |
| First BankBank Strasburg, VA | 67 out of 100, Moderate | $2.1B | 9.4% | 0.32% | vs |
| Chain Bridge Bank, National AssociationBank Mclean, VA | 74 out of 100, Strong | $2.2B | 9.1% | 0.00% | vs |
Deposit insurance
Is my money safe at Bank Of Clarke?
Yes. Bank Of Clarke is an FDIC-insured institution (FDIC certificate #6123). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 26.5% of deposits ($424.9M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.27%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.48% (benchmark: 10%).
14 locations
Branches
Bank Of Clarke lists 14 offices in 9 cities. Most locations:
- Winchester, VA (6)
- Ashburn, VA (1)
- Berryville, VA (1)
- Boyce, VA (1)
- Leesburg, VA (1)
- Mclean, VA (1)
- Purcellville, VA (1)
- Stephens City, VA (1)
- Warrenton, VA (1)
CFPB complaint database
Consumer complaints
Over the last three years, the CFPB forwarded 119 consumer complaints about Eagle Financial Services, Inc. to the company (62 in the last 12 months). 100.0% received a timely response. That is 74.2 complaints per $1 billion of deposits, versus a median of 8.5 among institutions with complaint data.
Complaint counts reflect volume, not validity: the CFPB does not verify complaints, and large institutions receive more because they serve more customers. Complaints are filed under the parent company name, which may cover affiliates.
Identity & history
Profile
- Legal name
- Bank Of Clarke
- Former names
- Bank of Clarke County
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 6123
- RSSD ID
- 753324
- Primary regulator
- FED
- Holding company
- Eagle Financial Services Inc
- Established
- April 1, 1881
- Headquarters
- 2 E Main St, Berryville, VA 22611
- Website
- www.bankofclarke.bank
- Employees
- 259
Quick answers
Bank Of Clarke: common questions
Is Bank Of Clarke FDIC insured?
Yes. Bank Of Clarke is an FDIC-insured institution (FDIC certificate #6123). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Bank Of Clarke's TellerScore?
67 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Bank Of Clarke ever failed?
There is no failure record for FDIC certificate #6123 in the FDIC failed bank list.
How many branches does Bank Of Clarke have?
14 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Berryville
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Front Royal Federal Credit UnionCredit union Front Royal, VA | 97 out of 100, Very strong | $87.4M | 16.9% | 0.14% | vs |
| Martinsburg V.A. Center Federal Credit UnionCredit union Kearneysville, WV | 92 out of 100, Very strong | $17.1M | 13.9% | 0.32% | vs |
| Midway Federal Credit UnionCredit union Berryville, VA | 85 out of 100, Very strong | $9.7M | 23.6% | 0.00% | vs |
| Virginia National BankBank Charlottesville, VA | 83 out of 100, Strong | $1.6B | 13.2% | 0.47% | vs |
| Eastern Panhandle Federal Credit UnionCredit union Martinsburg, WV | 83 out of 100, Strong | $18.8M | 12.2% | 0.16% | vs |
| City National Bank of West VirginiaBank Charleston, WV | 78 out of 100, Strong | $6.8B | 9.6% | 0.22% | vs |