# BANK OF CLARKS CLARKS, NE · FDIC certificate 16953 · asset band <$300M · latest filing 2026-06 · live **Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (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 | $58.5M | | | Deposits | $49.2M | | | Loans and leases | $44.3M | | | Total equity | $5.8M | | | Loans / deposits | 88.76% (p77 of band) | 73.59% | | Liquid assets / assets | 17.35% (p16 of band) | | | Uninsured deposits / deposits | 13.49% (p26 of band) | 19.81% | | Brokered deposits | 0.00% | | | Wholesale funding | 5.13% (p73 of band) | | | FHLB advances / assets | 5.13% | | | Tier 1 leverage | 9.79% (p21 of band) | 11.76% | | Unrealized securities loss / equity | -3.17% (p65 of band) | -6.57% | | AOCI / equity | -0.22% (p58 of band) | | | ROA (annualized) | 0.29% (p12 of band) | 1.17% | | Net interest margin | 4.31% (p68 of band) | 3.93% | | Efficiency ratio | 90.86% (p90 of band) | | | Noncurrent loans | 3.20% (p93 of band) | 0.36% | | Net charge-offs (annualized) | 0.02% (p73 of band) | | | Reserve coverage of noncurrent | 50.39% | | | Real estate % of loans | 63% | | | Construction % of loans | 12.62% (p43 of band) | | | Auto loans | $1.4M (3.21% of loans; DQ 11.72%, NCO 0.05%) | | | Loans to nondepository financials | $0 (0% of equity) (p48 of band) | | | Deposits YoY | -1.2% | | | Employees | 14 | | ## Flags firing in the latest filing - **expense ratio p90** (`earn_efficiency`) - **noncurrent p90** (`aq_noncurrent`) - **reserve under noncurrent** (`aq_reserve`) - **uninsured deposits leaving** (`flight_uninsured`) ## Warning timeline | Quarter | Score | Flags that first fired | Flags that cleared | |---|---|---|---| | 2011-03 | 1 | reserve under noncurrent | | | 2011-06 | 1 | | | | 2011-09 | 1 | | | | 2011-12 | 0 | | reserve under noncurrent | | 2012-03 | 1 | reserve under noncurrent | | | 2012-06 | 0 | | reserve under noncurrent | | 2012-09 | 1 | reserve under noncurrent | | | 2012-12 | 0 | | reserve under noncurrent | | 2013-03 | 1 | capital falling | | | 2013-06 | 2 | reserve under noncurrent, deposits shrinking | capital falling | | 2013-09 | 1 | | deposits shrinking | | 2013-12 | 0 | | reserve under noncurrent | | 2014-03 | 5 | capital falling, charge-offs p90, reserve under noncurrent, deposits shrinking, assets shrinking | | | 2014-06 | 2 | | capital falling, deposits shrinking, assets shrinking | | 2014-09 | 2 | | | | 2014-12 | 2 | | | | 2015-03 | 3 | capital falling, noncurrent p90 | charge-offs p90 | | 2015-06 | 2 | | capital falling | | 2015-09 | 4 | deposits shrinking, assets shrinking | | | 2015-12 | 2 | | noncurrent p90, assets shrinking | | 2016-03 | 4 | charge-offs p90, assets shrinking | | | 2016-06 | 4 | | | | 2016-09 | 2 | loans exceed deposits | reserve under noncurrent, deposits shrinking, assets shrinking | | 2016-12 | 2 | liquid assets <10% | loans exceed deposits | | 2017-03 | 2 | reserve under noncurrent | liquid assets <10% | | 2017-06 | 1 | | reserve under noncurrent | | 2017-09 | 3 | loans exceed deposits, liquid assets <10% | | | 2017-12 | 2 | | loans exceed deposits | | 2018-03 | 1 | capital falling | charge-offs p90, liquid assets <10% | | 2018-06 | 0 | | capital falling | | 2018-09 | 2 | loans exceed deposits, liquid assets <10% | | | 2018-12 | 3 | uninsured deposits leaving | | | 2019-03 | 3 | | | | 2019-06 | 3 | | | | 2019-09 | 1 | capital falling | loans exceed deposits, liquid assets <10%, uninsured deposits leaving | | 2019-12 | 1 | | | | 2020-03 | 2 | charge-offs p90 | | | 2020-06 | 2 | reserve under noncurrent | charge-offs p90 | | 2020-09 | 1 | uninsured deposits leaving | capital falling, reserve under noncurrent | | 2020-12 | 1 | | | | 2021-03 | 2 | noncurrent p90, reserve under noncurrent | uninsured deposits leaving | | 2021-06 | 4 | capital falling, uninsured deposits leaving | | | 2021-09 | 2 | | capital falling, uninsured deposits leaving | | 2021-12 | 2 | | | | 2022-03 | 7 | capital falling, losing money, expense ratio p90, NIM <2.5%, charge-offs p90 | | | 2022-06 | 6 | | NIM <2.5% | | 2022-09 | 4 | | capital falling, losing money | | 2022-12 | 4 | deposits shrinking | expense ratio p90 | | 2023-03 | 2 | | charge-offs p90, deposits shrinking | | 2023-06 | 3 | capital falling | | | 2023-09 | 2 | | capital falling | | 2023-12 | 2 | | | | 2024-03 | 4 | losing money, expense ratio p90 | | | 2024-06 | 2 | | losing money, expense ratio p90 | | 2024-09 | 3 | brokered >10%, wholesale funding >15% | noncurrent p90 | | 2024-12 | 4 | capital falling | | | 2025-03 | 3 | noncurrent p90 | brokered >10%, capital falling | | 2025-06 | 3 | brokered >10% | noncurrent p90 | | 2025-09 | 6 | loans exceed deposits, deposits shrinking, uninsured deposits leaving | | | 2025-12 | 4 | | reserve under noncurrent, loans exceed deposits | | 2026-03 | 0 | | wholesale funding >15%, brokered >10%, deposits shrinking, uninsured deposits leaving | | 2026-06 | 4 | expense ratio p90, noncurrent p90, reserve under noncurrent, uninsured deposits leaving | | ## In the news (Google News, unfiltered, newest first; 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Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list. --- Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide