TellerScore

Clarkson Bank (FDIC certificate #14581) is based in Clarkson, Nebraska. Its Q2 2026 call report shows $81.4M in total assets and $70.7M in deposits and 1 office.

Clarkson Bank has a TellerScore of 82 out of 100 (strong) based on Q2 2026 data — higher than 70% of its 546 banks with under $100 million in assets. Among 139 banks headquartered in Nebraska, it ranks 38th. Problem-loan coverage contributes the most (98/100, 0.9%); capital cushion contributes the least (60/100, 11.04%).

TellerScore · Q2 2026

Scorecard

Capital cushion60/100
Tier 1 leverage ratio: 11.04%
Loan quality94/100
Noncurrent loans ÷ total loans: 0.19%
Earnings88/100
Return on assets (annualized): 1.71%
Funding & liquidity84/100
Loans ÷ deposits and uninsured-deposit share: 60.1% · 29.8% uninsured
Problem-loan coverage98/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.92%

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 4 points (78 → 82), mostly because the earnings component improved by 18 points.

TellerScore
778082Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202479
Q3 202480
Q4 202480
Q1 202577
Q2 202578
Q3 202581
Q4 202579
Q1 202682
Q2 202682
Tier 1 leverage ratio
5.00%8.28%11.56%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.27%
Q3 202411.27%
Q4 202411.21%
Q1 202511.21%
Q2 202511.29%
Q3 202511.56%
Q4 202511.25%
Q1 202611.20%
Q2 202611.04%
Noncurrent loans
0.03%0.19%0.35%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.04%
Q3 20240.04%
Q4 20240.03%
Q1 20250.35%
Q2 20250.33%
Q3 20250.28%
Q4 20250.22%
Q1 20260.21%
Q2 20260.19%
Return on assets
1.01%1.36%1.71%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.01%
Q3 20241.02%
Q4 20241.06%
Q1 20251.14%
Q2 20251.26%
Q3 20251.35%
Q4 20251.31%
Q1 20261.61%
Q2 20261.71%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202682$81.4M11.04%0.19%1.71%60.1%
Q1 202682$76.4M11.20%0.21%1.61%64.8%
Q4 202579$78.5M11.25%0.22%1.31%71.0%
Q3 202581$73.1M11.56%0.28%1.35%61.3%
Q2 202578$74.0M11.29%0.33%1.26%54.1%
Q1 202577$74.5M11.21%0.35%1.14%50.9%
Q4 202480$72.8M11.21%0.03%1.06%60.1%
Q3 202480$72.3M11.27%0.04%1.02%52.5%
Q2 202479$71.4M11.27%0.04%1.01%50.0%

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).

Capital ratio11.04%
30th
Total risk-based capital0.00%
27th
Problem loans0.19%
57th
Net charge-offs-0.00%
81st
Return on assets1.71%
81st
Net interest margin3.68%
38th
Efficiency ratio45.7%
94th
Loans to deposits60.1%
60th
Uninsured deposits29.8%
12th
Loan-loss reserves2.06%
84th
Texas ratio0.9%
58th

Similar-size banks in Nebraska

InstitutionScoreAssetsCapitalProblem loansCompare
CerescoBankBank Ceresco, NE92 out of 100, Very strong$81.3M13.9%0.06%vs
First Tri County BankBank Swanton, NE72 out of 100, Strong$78.5M9.1%0.04%vs
First Bank of UticaBank Utica, NE76 out of 100, Strong$77.4M14.3%0.63%vs
Scribner BankBank Scribner, NE96 out of 100, Very strong$86.9M16.6%0.04%vs
Bank of ElginBank Elgin, NE92 out of 100, Very strong$87.3M13.5%0.00%vs
Commercial State BankBank Republican City, NE97 out of 100, Very strong$75.5M28.6%0.00%vs

Deposit insurance

Is my money safe at Clarkson Bank?

Yes. Clarkson Bank is an FDIC-insured institution (FDIC certificate #14581). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 29.8% of deposits ($21.1M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.04%, well 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%).

Check how much of your own balance is covered

1 location

Branches

Clarkson Bank lists 1 office in 1 city. Most locations:

  • Clarkson, NE (1)

All branch addresses and map

Identity & history

Profile

Legal name
Clarkson Bank
Type
State-chartered bank
FDIC certificate #
14581
RSSD ID
1007958
Primary regulator
FDIC
Holding company
Clarkson Bancshares Llc
Established
May 17, 1934
Headquarters
243 Pine St, Clarkson, NE 68629
Employees
8

Quick answers

Clarkson Bank: common questions

Is Clarkson Bank FDIC insured?

Yes. Clarkson Bank is an FDIC-insured institution (FDIC certificate #14581). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Clarkson Bank's TellerScore?

82 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Clarkson Bank ever failed?

There is no failure record for FDIC certificate #14581 in the FDIC failed bank list.

How many branches does Clarkson Bank have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Clarkson

InstitutionScoreAssetsCapitalProblem loansCompare
Homestead BankBank Cozad, NE91 out of 100, Very strong$537.0M18.6%0.20%vs
Platte Valley BankBank North Bend, NE88 out of 100, Very strong$107.2M13.9%0.19%vs
Nebraska Energy Federal Credit UnionCredit union Columbus, NE87 out of 100, Very strong$327.7M19.3%0.05%vs
Madison County BankBank Madison, NE85 out of 100, Very strong$613.2M15.1%0.37%vs
BankFirstBank Norfolk, NE85 out of 100, Very strong$1.2B15.3%0.84%vs
Union Bank and Trust CompanyBank Lincoln, NE76 out of 100, Strong$9.2B10.6%0.32%vs