# CLARKSON BANK
CLARKSON, NE · FDIC certificate 14581 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 (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 | $81.4M | |
| Deposits | $70.7M | |
| Loans and leases | $43.4M | |
| Total equity | $8.2M | |
| Loans / deposits | 60.10% (p30 of band) | 73.59% |
| Liquid assets / assets | 45.61% (p72 of band) | |
| Uninsured deposits / deposits | 29.84% (p81 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.83% (p63 of band) | |
| FHLB advances / assets | 2.83% | |
| Tier 1 leverage | 11.04% (p40 of band) | 11.76% |
| Unrealized securities loss / equity | -11.31% (p38 of band) | -6.57% |
| AOCI / equity | -0.22% (p58 of band) | |
| ROA (annualized) | 1.71% (p77 of band) | 1.17% |
| Net interest margin | 3.68% (p37 of band) | 3.93% |
| Efficiency ratio | 45.66% (p8 of band) | |
| Noncurrent loans | 0.19% (p41 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p18 of band) | |
| Reserve coverage of noncurrent | 1064.29% | |
| Real estate % of loans | 48% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $562,000 (1.30% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 10.3% | |
| Employees | 8 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 2 | capital falling, uninsured deposits leaving |  |
| 2013-03 | 1 |  | uninsured deposits leaving |
| 2013-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity | capital falling |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 3 | assets shrinking, uninsured deposits leaving | AOCI drag >20% of equity |
| 2014-06 | 0 |  | securities losses >30% of equity, assets shrinking, uninsured deposits leaving |
| 2014-09 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2014-12 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2015-12 | 3 |  |  |
| 2016-03 | 2 |  | deposits shrinking |
| 2016-06 | 2 | deposits shrinking | assets shrinking |
| 2016-09 | 0 |  | uninsured deposits leaving, deposits shrinking |
| 2016-12 | 1 | deposits shrinking |  |
| 2017-03 | 1 | capital falling | deposits shrinking |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 1 | charge-offs p90 |  |
| 2017-12 | 1 | reserve under noncurrent | charge-offs p90 |
| 2018-03 | 2 | noncurrent p90 |  |
| 2018-06 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2018-09 | 0 |  | reserve under noncurrent, noncurrent p90, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | uninsured deposits leaving |  |
| 2019-06 | 1 | capital falling | uninsured deposits leaving |
| 2019-09 | 1 | uninsured deposits leaving | capital falling |
| 2019-12 | 0 |  | uninsured deposits leaving |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 | NIM <2.5% | capital falling |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 0 |  | NIM <2.5% |
| 2022-03 | 4 | capital falling, AOCI drag >20% of equity, securities losses >30% of equity, NIM <2.5% |  |
| 2022-06 | 3 |  | capital falling |
| 2022-09 | 3 |  |  |
| 2022-12 | 6 | noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2023-03 | 4 |  | AOCI drag >20% of equity, charge-offs p90 |
| 2023-06 | 1 |  | NIM <2.5%, noncurrent p90, reserve under noncurrent |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 0 |  | securities losses >30% of equity |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | capital falling |  |
| 2025-06 | 0 |  | capital falling |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | capital falling |  |
| 2026-06 | 1 |  |  |

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

- 2026-06-10 [KTIC 840 AM/98.3 FM/98.7 FM - Clarkson Rodeo coming up this weekend - Rural Radio Network](https://news.google.com/rss/articles/CBMie0FVX3lxTE83M1AxUU5HYkN2UV9xTjRHc2NTOXJDSlg0bnpBQnllOGliTUt3R19EcEZtdjdiekRHWHIyWS1JVE1heDBWeS1nUHpTS0NZbWYzcnZrRkwtR2FaQ0E2RGEyQ2Q0UTV4dDZ1eVgxdTlreDdsWlBMcU1UaHBpcw?oc=5) · Rural Radio Network
- 2020-12-08 [Peggy Jeffres Obituary Dec 8, 2020 - McKown Funeral Home](https://news.google.com/rss/articles/CBMiakFVX3lxTFBVZEFJaDFxdWE1WTVtUGVjYWVkbnVDd0JJTGJWbHF2ZG1xWmJFNXpjRDNRc2wzakJRR2lkRlNzLXhNWEZTaDNRZGhXdUpJQlNxamhWRDg2R1F1bTlIWEduVVNCMi0zemFKLWc?oc=5) · McKown Funeral Home
- 2026-07-24 [John O'Neal - The Norfolk Daily News](https://news.google.com/rss/articles/CBMiogFBVV95cUxOWjE3X2JleXFydldCdHltUGY0NG5CZk9WQlZBaktRUm9VcXZvV0Q2RDdwa1Z3V00wQmxwamRiTTJYaWJpU2VEQ3ZoYTJZdU5FX2ZZUzlYX3E1WHRoVTVkMHI3X0ZuVWFTSmJ0MzRJdjQ3MWszQ1RVdmhiUnVvXy1lcGp4Rm8xWkFSQUJVVGJ5SnpzTDBOdkU5enFDSmdPNHN0S2c?oc=5) · The Norfolk Daily News
- 2026-07-22 [Dr. John Robert O'Neal Obituary (1929 - 2026) - Clarkson, NE - KTIV - legacy.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxQRl9YMVAwUi03Nk5vTXh3a1dTLUxJdEc2Q1JIT2FSREtFekc5a05MOUYtZ0QwQ1d1ZlJweVpteWowOFlReXpNTm1IMG5zd2F4T1lYVmhDVnNWN3lMdkdKY2NoU3dFZDN1TUVWVnowZUthalVIa05TdTZjdHQzb3pxZldSLUdvSVVvY1E?oc=5) · legacy.com
- 2025-12-05 [Obituary information for Janet Hunke - Minnick Funeral Homes](https://news.google.com/rss/articles/CBMiggFBVV95cUxOYTUxbXNnRUVnMnR4bFFCSW45clg5amhwanJvdVI1cFF2OVBuU3VnZ2gyZnRSMTN6bEVMMmladXUwYU1fSHU5T2w4bjJyczdPWExXZjlpaDZ0WDdVck5feWtrSXA4N1JaeGIyRUtOQk1hMmlrOUpFTFc4eVd6MzQ4TFpR?oc=5) · Minnick Funeral Homes
- 2015-08-17 [Jeremy Clarkson Is Getting Paid a Lot of Money to Go to Amazon, Which Is Not Generally What Happens When You Punch Your Co-Workers - Vulture](https://news.google.com/rss/articles/CBMie0FVX3lxTE5ubFlsRmVRbk9WNzVTbXExNlFxbjJLR1R4UTVsUWpMZDV2ZGU2U3RubTRISGdGa25XdWQ0dDZWZzFnXzAyM19WRll0R1JWR2NvOE11X3E4TnljWlRZZUFUMGxaVkZwMzl5R3hoRkVhSUFCajN3UU02blNIdw?oc=5) · Vulture
- 2014-12-12 [Ronald Hajek - The Norfolk Daily News](https://news.google.com/rss/articles/CBMipAFBVV95cUxPM2otOHZSS3ZobHFxaE1uWkwwOHVkNm1yMlRVVWFtV0RXVElacGJiUXFZTGd3MlBNZEJYOHRCRHdkNjFJUTJkOV9GeXZ0SGRWQUY5LVJWYW5VU0wwM05tYjV2SEtTbWdWMHVqTXVHSWxpX0ZneXVpUTdudEpzUHlxSHBZanpxTXA5LWZrV2xYejllNXRqRUFyUlpoM0VOUENkVDRDbg?oc=5) · The Norfolk Daily News
- 2025-05-01 [Jeremy Clarkson shared his bank details to prove a point but ended up losing £500 - LADbible](https://news.google.com/rss/articles/CBMinwFBVV95cUxOcGJoa0ZyUzF1WW1Helg0OHRHb0IyODRoQ1gtVGpMZi05Yjh5elVtbXlaMTBKamx6NmpoWnZ4OTNsbzVxUG05cGF2YTJmU2tjX1ZpdGU0aTNoMmExaUdZYUNhNkp6OHJ6LWlQNjVZNkFYTWd0aUJwLTBpUjNaYWRZaHZDWGszUC00SWJlSEx5cEI2LVZMbzlqLUFmcXFCdWc?oc=5) · LADbible

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=14581 (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/53.json (key "14581", 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