Side-by-side · Q2 2026 data
Bank Of Clarke vs First Bank
Metric by metric
| Measure | Bank Of Clarke | First Bank |
|---|---|---|
| TellerScore | 67 | 67 |
| Capital cushion | 73 (stronger) | 44 |
| Loan quality | 64 | 89 (stronger) |
| Earnings | 61 | 65 (stronger) |
| Funding & liquidity | 54 | 62 (stronger) |
| Problem-loan coverage | 87 | 95 (stronger) |
| Peer percentile | 44th | 44th |
| Total assets | $1.8B | $2.1B |
| Deposits / shares | $1.6B | $1.8B |
| Capital ratio | 12.27% (stronger) | 9.44% |
| Problem loans | 1.07% | 0.32% (stronger) |
| Net charge-offs | 0.30% | 0.09% (stronger) |
| Return on assets | 1.02% | 1.14% (stronger) |
| Loans ÷ deposits | 92.8% | 79.8% (stronger) |
| Uninsured deposits | 26.5% (stronger) | 31.1% |
| Offices | 14 | 32 |
| CFPB complaints (3 yrs) | 119 | — |
| Complaints per $1B deposits | 74.2 | — |
| Mortgage denial rate (HMDA) | — | 17.0% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Bank Of Clarke leads on 2 and First Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Winchester, VA
- Stephens City, VA