Headquartered in Clarkson, Kentucky, Bank of Clarkson is a state-chartered bank with $178.2M in total assets and $149.7M in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1904.
Based on its Q2 2026 filing, Bank of Clarkson scores 67/100, which we describe as moderate. That is higher than only 34% of 2,650 banks with $100 million – $1 billion. Among 120 banks headquartered in Kentucky, it ranks 85th. Its strongest component is funding & liquidity (80/100; 80% loans-to-deposits, 9% uninsured), and its lowest is loan quality (38/100; 1.87%).
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 18 points (85 → 67), mostly because the loan quality component weakened by 61 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 84 |
| Q3 2024 | 83 |
| Q4 2024 | 84 |
| Q1 2025 | 84 |
| Q2 2025 | 85 |
| Q3 2025 | 86 |
| Q4 2025 | 86 |
| Q1 2026 | 84 |
| Q2 2026 | 67 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.73% |
| Q3 2024 | 11.87% |
| Q4 2024 | 12.34% |
| Q1 2025 | 12.28% |
| Q2 2025 | 12.28% |
| Q3 2025 | 12.38% |
| Q4 2025 | 12.40% |
| Q1 2026 | 12.36% |
| Q2 2026 | 12.45% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.02% |
| Q3 2024 | 0.04% |
| Q4 2024 | 0.02% |
| Q1 2025 | 0.08% |
| Q2 2025 | 0.02% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.24% |
| Q2 2026 | 1.87% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.32% |
| Q3 2024 | 1.29% |
| Q4 2024 | 1.35% |
| Q1 2025 | 1.39% |
| Q2 2025 | 1.48% |
| Q3 2025 | 1.60% |
| Q4 2025 | 1.61% |
| Q1 2026 | 1.57% |
| Q2 2026 | 1.46% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 67 | $178.2M | 12.45% | 1.87% | 1.46% | 79.9% |
| Q1 2026 | 84 | $180.6M | 12.36% | 0.24% | 1.57% | 79.8% |
| Q4 2025 | 86 | $173.8M | 12.40% | 0.00% | 1.61% | 83.1% |
| Q3 2025 | 86 | $172.7M | 12.38% | 0.00% | 1.60% | 80.1% |
| Q2 2025 | 85 | $167.3M | 12.28% | 0.02% | 1.48% | 76.9% |
| Q1 2025 | 84 | $166.1M | 12.28% | 0.08% | 1.39% | 74.8% |
| Q4 2024 | 84 | $161.1M | 12.34% | 0.02% | 1.35% | 77.6% |
| Q3 2024 | 83 | $158.5M | 11.87% | 0.04% | 1.29% | 74.8% |
| Q2 2024 | 84 | $165.4M | 11.73% | 0.02% | 1.32% | 65.8% |
2,650 peers · $100 million – $1 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 Kentucky
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Jackson County BankBank Mc Kee, KY | 92 out of 100, Very strong | $175.9M | 28.8% | 0.68% | vs |
| Pbk Bank, Inc.Bank Stanford, KY | 94 out of 100, Very strong | $175.6M | 15.2% | 0.46% | vs |
| Citizens Bank and Trust of Lebanon, Inc.Bank Lebanon, KY | 75 out of 100, Strong | $173.0M | 11.3% | 0.18% | vs |
| Auburn Banking CompanyBank Auburn, KY | 65 out of 100, Moderate | $164.3M | 8.3% | 0.65% | vs |
| Bank of MaysvilleBank Maysville, KY | 93 out of 100, Very strong | $164.0M | 16.9% | 0.12% | vs |
| The Salyersville National BankBank Salyersville, KY | 89 out of 100, Very strong | $163.5M | 14.2% | 0.00% | vs |
Deposit insurance
Is my money safe at Bank of Clarkson?
Yes. Bank of Clarkson is an FDIC-insured institution (FDIC certificate #13167). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 9.4% of deposits ($14.1M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.45%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 19.55% (benchmark: 10%).
2 locations
Branches
Bank of Clarkson lists 2 offices in 2 cities. Most locations:
- Clarkson, KY (1)
- Leitchfield, KY (1)
Identity & history
Profile
- Legal name
- Bank of Clarkson
- Type
- State-chartered bank
- FDIC certificate #
- 13167
- RSSD ID
- 720344
- Primary regulator
- FDIC
- Holding company
- First Breckinridge Bancshares
- Established
- January 1, 1904
- Headquarters
- 101 E Main St, Clarkson, KY 42726
- Website
- www.bankofclarkson.com
- Employees
- 21
Quick answers
Bank of Clarkson: common questions
Is Bank of Clarkson FDIC insured?
Yes. Bank of Clarkson is an FDIC-insured institution (FDIC certificate #13167). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Bank of Clarkson'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 Clarkson ever failed?
There is no failure record for FDIC certificate #13167 in the FDIC failed bank list.
How many branches does Bank of Clarkson have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Clarkson
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Hart County Bank and Trust CompanyBank Munfordville, KY | 93 out of 100, Very strong | $24.1M | 34.3% | 0.00% | vs |
| Abound Federal Credit UnionCredit union Radcliff, KY | 81 out of 100, Strong | $2.8B | 15.8% | 0.81% | vs |
| Community Trust Bank, Inc.Bank Pikeville, KY | 80 out of 100, Strong | $6.9B | 13.4% | 0.58% | vs |
| The Cecilian BankBank Cecilia, KY | 77 out of 100, Strong | $1.6B | 11.0% | 0.40% | vs |
| Wilson & Muir Bank & Trust CompanyBank Bardstown, KY | 76 out of 100, Strong | $818.4M | 9.4% | 0.27% | vs |
| German American BankBank Jasper, IN | 75 out of 100, Strong | $8.4B | 11.2% | 0.45% | vs |