# BANK OF CLARKSON
CLARKSON, KY · FDIC certificate 13167 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $178.2M | |
| Deposits | $149.7M | |
| Loans and leases | $120.2M | |
| Total equity | $18.2M | |
| Loans / deposits | 79.88% (p62 of band) | 73.59% |
| Liquid assets / assets | 27.19% (p37 of band) | |
| Uninsured deposits / deposits | 9.45% (p12 of band) | 19.81% |
| Brokered deposits | 7.30% | |
| Wholesale funding | 12.28% (p88 of band) | |
| FHLB advances / assets | 4.98% | |
| Tier 1 leverage | 12.45% (p58 of band) | 11.76% |
| Unrealized securities loss / equity | -35.17% (p11 of band) | -6.57% |
| AOCI / equity | -0.28% (p55 of band) | |
| ROA (annualized) | 1.46% (p66 of band) | 1.17% |
| Net interest margin | 4.04% (p56 of band) | 3.93% |
| Efficiency ratio | 56.43% (p26 of band) | |
| Noncurrent loans | 1.87% (p84 of band) | 0.36% |
| Net charge-offs (annualized) | 0.01% (p63 of band) | |
| Reserve coverage of noncurrent | 28.22% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 113.00% (p96 of band) | |
| Auto loans | $3.6M (2.96% of loans; DQ 4.02%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 4.4% | |
| Employees | 21 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | reserve under noncurrent |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 3 | deposits shrinking, assets shrinking | capital falling |
| 2013-03 | 1 |  | deposits shrinking, assets shrinking |
| 2013-06 | 2 | deposits shrinking |  |
| 2013-09 | 2 | capital falling | deposits shrinking |
| 2013-12 | 2 |  |  |
| 2014-03 | 1 |  | capital falling |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2016-03 | 3 |  | assets shrinking |
| 2016-06 | 1 |  | reserve under noncurrent, deposits shrinking |
| 2016-09 | 2 | capital falling |  |
| 2016-12 | 0 |  | uninsured deposits leaving, capital falling |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | capital falling |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2021-12 | 3 |  |  |
| 2022-03 | 0 |  | capital falling, noncurrent p90, reserve under noncurrent |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 3 | assets shrinking |  |
| 2023-03 | 2 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  | assets shrinking |
| 2023-09 | 3 | capital falling, construction >100% equity |  |
| 2023-12 | 2 |  | construction >100% equity |
| 2024-03 | 3 | construction >100% equity |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 2 |  | capital falling |
| 2024-12 | 3 | deposits shrinking |  |
| 2025-03 | 2 |  | deposits shrinking |
| 2025-06 | 3 | capital falling |  |
| 2025-09 | 2 |  | capital falling |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |
| 2026-06 | 3 | reserve under noncurrent |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-01-16 [David Howard Williams Obituary Jul 2, 2022 - Rogers-Watkins Funeral Home](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE5LYjRyREhGS1VUYTk2R3VhNE9KWjNUTVBGTTBOTTdodHRVbldVdTdfT21DS2xHekIyd1Z4bUNLNmI3VFZSZGdFaFp2RGxMX2RIVi0zdUlPaUFpZzlGOHFtZDk1SHNveVk?oc=5) · Rogers-Watkins Funeral Home
- 2009-03-04 [Suspect sought after Leitchfield bank robbery - wave3.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxONmZlbWp6T3ZNOTI4X1JrQWRxUzBKcS1wcDgzQ0ctMC01WWNmV1RsMHM3NTVBNEd6MWpuVUx3YnVOc0E5N0IwVmthT3kxOFJ0RjNZY3RNN0hRV0FWcnF0M2laTUJLdTRtbjRwWnQxUUFfNlFQU0Jlbm5HNjNrcXdHbktxRWpSaEZOOVHSAZwBQVVfeXFMTk5yMkYzWGpkTldCLXlkUkVzYW9vRU5XMThuc3gtTXgwb3FNSDc5YmJRdDJZc0VvWEc0OGRBSDhCS0NBUlhuX3B1emtqTWYxNjgyMVpXM3dvYVQycEdFeEd1Q3ZyMGZtdzBMeVdFZ19BbE5DQmJzWk54VmRQTlNORU1ZOHV6QldURXNmdmRSREJVaHR2bDZyS0FfNHZo?oc=5) · wave3.com
- 2019-06-06 [UK LEADS Scholarship Recipients Thank Their Donors - UKNow](https://news.google.com/rss/articles/CBMingFBVV95cUxOQThDZXd6SWJDdm9rbm9GQTBaT1cyQTRLRWxMZDhWWVhTa09Nekh6UlA0RG9YSDFuQ09VS25RVDVMcGt3aUNrZjRnRVdjSU9ZN1h6OTJrVmZTclZKZEZsOG9KQk52TUJwUXV6amZuQnhibXljUzItdlF6ZURFaWlmbVdvYnp0c1gzLWd1dmtOR09vMzNQMmpHQlN0S1B2dw?oc=5) · UKNow
- 2016-06-12 [Russell C. Hackley Obituary Jun 12, 2016 - Rogers-Watkins Funeral Home](https://news.google.com/rss/articles/CBMiaEFVX3lxTE1wMGkzejBNMi1mdk9ZRjFWQzhud1BCX0NlR1JXNjI1dklXTENkSHNXanVHNXJzbDVDUjRPa2hFUzBwQXFJeFdEbUUteG5XMFd6ejVfWE50Y0NPUjBvMVNaTlpkSXF0WFZD?oc=5) · Rogers-Watkins Funeral Home
- 2021-09-28 [Russell Hackley Obituary (1942 - 2016) - Clarkson, KY - The Record - Legacy obituary](https://news.google.com/rss/articles/CBMilgFBVV95cUxPRmsyc2pwNGs2cC1VcHJqOWZ6WWhrVXdRLXFybjNvSlBmaWdnTjdVLXNEc0RVRWFDQ3pZeFZGMERGQVh0MlpHR3RaSFpBY2VfbGtMOW5DQjY2ODllYzBvZXc2VXFZbVcyUGU1Y29XSkstNlVYY2ZYckJtRW16QjJTeGI5Q0RiZXBNMkVjbEtFaW5Na2FhOGc?oc=5) · Legacy obituary
- 2023-10-16 [Circuit and District Court Dockets - K105](https://news.google.com/rss/articles/CBMie0FVX3lxTE1FbUxLM1JsQUZlQTh6aUQ2ZVNJcjY2eE1sSlpVbENJT3JSV01zdndsVnFsTVJ1YnRuTlBpMHhIUG9KT2NSUllhOHUwLVVENU1VSXI4QkpmcGFodjhDaUVLN005R2xPZmJHUUVISlB5ajZUbjJQQnBfVUhDbw?oc=5) · K105
- 2022-09-13 [Joseph Tobin Obituary (2013) - Brandenburg, KY - The News-Enterprise - Legacy obituary](https://news.google.com/rss/articles/CBMimAFBVV95cUxOaUJLTVdORnJ1MVcxV21Ia1QtUUxrMjZRWUVRMjNodjNiQ1F0SmNOclBrMWN3TU40SFl5Sk1MYllDQWw0cVRicHRFZ05IdlZhUHFwVFg4TkNKUktjajRsS2NQejJDTUVLZnhMYlQzUGFHSldwVUF0azRwMEp6V0JNaEZOTlBJZ0M0N0xFSElvd2J2aThhcHdiTw?oc=5) · Legacy obituary
- 2023-07-17 [Circuit and District Court Dockets - K105](https://news.google.com/rss/articles/CBMie0FVX3lxTE9laGtIWjJhX3B0UXhocEphM0xNX1NzWWRaWFhnRnMxS1hsc3JJYm1vYkNYQlk2WkZuelZDR1RCTm9FV0Z0aGJMYXl3RVRSQ1FFb2ItRFNSNlVpM0pDSllQM2JNX0k5UU91dWxObHZOS1k1Unlvbjd3S0Vadw?oc=5) · K105

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=13167 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/47.json (key "13167", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide