Headquartered in Clarks, Nebraska, Bank of Clarks is a state-chartered bank with $58.5M in total assets and $49.2M in deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1937.
Based on its Q2 2026 filing, Bank of Clarks scores 37/100, which we describe as low. That is higher than only 3% of 546 banks with under $100 million in assets. Among 139 banks headquartered in Nebraska, it ranks 138th. Its strongest component is funding & liquidity (71/100; 89% loans-to-deposits, 13% uninsured), and its lowest is loan quality (0/100; 3.20%).
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 fell 13 points (50 → 37), mostly because the loan quality component weakened by 50 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 45 |
| Q3 2024 | 48 |
| Q4 2024 | 45 |
| Q1 2025 | 36 |
| Q2 2025 | 50 |
| Q3 2025 | 50 |
| Q4 2025 | 51 |
| Q1 2026 | 51 |
| Q2 2026 | 37 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.96% |
| Q3 2024 | 9.37% |
| Q4 2024 | 8.19% |
| Q1 2025 | 8.43% |
| Q2 2025 | 8.48% |
| Q3 2025 | 9.47% |
| Q4 2025 | 9.24% |
| Q1 2026 | 9.29% |
| Q2 2026 | 9.79% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 2.21% |
| Q3 2024 | 1.65% |
| Q4 2024 | 1.46% |
| Q1 2025 | 3.19% |
| Q2 2025 | 1.51% |
| Q3 2025 | 1.48% |
| Q4 2025 | 1.27% |
| Q1 2026 | 1.35% |
| Q2 2026 | 3.20% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.13% |
| Q3 2024 | 0.35% |
| Q4 2024 | 0.33% |
| Q1 2025 | 1.09% |
| Q2 2025 | 0.69% |
| Q3 2025 | 0.45% |
| Q4 2025 | 0.35% |
| Q1 2026 | 0.25% |
| Q2 2026 | 0.29% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 37 | $58.5M | 9.79% | 3.20% | 0.29% | 88.8% |
| Q1 2026 | 51 | $61.3M | 9.29% | 1.35% | 0.25% | 93.1% |
| Q4 2025 | 51 | $62.3M | 9.24% | 1.27% | 0.35% | 98.6% |
| Q3 2025 | 50 | $61.4M | 9.47% | 1.48% | 0.45% | 102.4% |
| Q2 2025 | 50 | $58.1M | 8.48% | 1.51% | 0.69% | 93.1% |
| Q1 2025 | 36 | $56.4M | 8.43% | 3.19% | 1.09% | 96.8% |
| Q4 2024 | 45 | $57.3M | 8.19% | 1.46% | 0.33% | 85.0% |
| Q3 2024 | 48 | $57.7M | 9.37% | 1.65% | 0.35% | 86.1% |
| Q2 2024 | 45 | $47.6M | 9.96% | 2.21% | 0.13% | 84.4% |
546 peers · Under $100 million in assets
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 Nebraska
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Generations BankBank Exeter, NE | 54 out of 100, Below average | $58.3M | 10.6% | 1.90% | vs |
| Commercial BankBank Nelson, NE | 56 out of 100, Moderate | $56.5M | 15.2% | 3.06% | vs |
| State Bank of ScotiaBank Scotia, NE | 59 out of 100, Moderate | $61.0M | 19.9% | 7.84% | vs |
| Sidney Federal Savings and Loan AssociationBank Sidney, NE | 73 out of 100, Strong | $55.6M | 14.2% | 2.00% | vs |
| Cedar Security BankBank Fordyce, NE | 87 out of 100, Very strong | $62.1M | 18.0% | 0.96% | vs |
| Tecumseh Federal BankBank Tecumseh, NE | 83 out of 100, Strong | $53.1M | 21.3% | 0.17% | vs |
Deposit insurance
Is my money safe at Bank of Clarks?
Yes. Bank of Clarks is an FDIC-insured institution (FDIC certificate #16953). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 13.5% of deposits ($6.6M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.79%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
3 locations
Branches
Bank of Clarks lists 3 offices in 3 cities. Most locations:
- Clarks, NE (1)
- Columbus, NE (1)
- Silver Creek, NE (1)
Identity & history
Profile
- Legal name
- Bank of Clarks
- Type
- State-chartered bank
- FDIC certificate #
- 16953
- RSSD ID
- 76153
- Primary regulator
- FDIC
- Holding company
- Clark Bancshares Inc
- Established
- February 15, 1937
- Headquarters
- 301 N Green St, Clarks, NE 68628
- Website
- bankofclarks.net
- Employees
- 14
Quick answers
Bank of Clarks: common questions
Is Bank of Clarks FDIC insured?
Yes. Bank of Clarks is an FDIC-insured institution (FDIC certificate #16953). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Bank of Clarks's TellerScore?
37 out of 100 (Low), 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 Clarks ever failed?
There is no failure record for FDIC certificate #16953 in the FDIC failed bank list.
How many branches does Bank of Clarks have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Clarks
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Bank and Trust of FullertonBank Fullerton, NE | 87 out of 100, Very strong | $108.3M | 14.2% | 0.00% | vs |
| Heritage BankBank Wood River, NE | 86 out of 100, Very strong | $611.6M | 23.0% | 1.18% | vs |
| Genoa Community BankBank Genoa, NE | 85 out of 100, Very strong | $70.5M | 12.9% | 0.00% | vs |
| First State BankBank Hordville, NE | 77 out of 100, Strong | $46.8M | 12.2% | 0.00% | vs |
| Points West Community BankBank Windsor, CO | 75 out of 100, Strong | $877.6M | 9.2% | 0.06% | vs |
| Pinnacle BankBank Lincoln, NE | 74 out of 100, Strong | $9.2B | 9.9% | 0.07% | vs |