# BANK OF CLARKE
BERRYVILLE, VA · FDIC certificate 6123 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. 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 | $1.85B | |
| Deposits | $1.60B | |
| Loans and leases | $1.51B | |
| Total equity | $222.4M | |
| Loans / deposits | 92.76% (p67 of band) | 87.10% |
| Liquid assets / assets | 13.88% (p18 of band) | |
| Uninsured deposits / deposits | 26.50% (p35 of band) | 30.76% |
| Brokered deposits | 4.30% | |
| Wholesale funding | 4.31% (p42 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.27% (p79 of band) | 10.50% |
| Unrealized securities loss / equity | -3.46% (p72 of band) | -7.75% |
| AOCI / equity | -0.37% (p45 of band) | |
| ROA (annualized) | 1.02% (p32 of band) | 1.26% |
| Net interest margin | 3.84% (p59 of band) | 3.70% |
| Efficiency ratio | 62.53% (p62 of band) | |
| Noncurrent loans | 1.07% (p76 of band) | 0.51% |
| Net charge-offs (annualized) | 0.24% (p88 of band) | |
| Reserve coverage of noncurrent | 113.24% | |
| Real estate % of loans | 79% | |
| Construction % of loans | 37.94% (p40 of band) | |
| Auto loans | $2.1M (0.14% of loans; DQ 2.47%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | -9.5% | |
| Employees | 259 | |

## Flags firing in the latest filing

- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | wholesale funding >15% |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 0 |  | wholesale funding >15% |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | reserve under noncurrent |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 2 | capital falling |  |
| 2015-12 | 1 |  | capital falling |
| 2016-03 | 0 |  | reserve under noncurrent |
| 2016-06 | 1 | capital falling |  |
| 2016-09 | 2 | reserve under noncurrent |  |
| 2016-12 | 1 |  | capital falling |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | capital falling |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 1 |  | capital falling |
| 2018-03 | 0 |  | reserve under noncurrent |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 2 | capital falling, charge-offs p90 |  |
| 2019-09 | 1 |  | charge-offs p90 |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 1 | capital falling |  |
| 2022-12 | 2 | loans exceed deposits |  |
| 2023-03 | 2 | wholesale funding >15% | loans exceed deposits |
| 2023-06 | 1 |  | wholesale funding >15% |
| 2023-09 | 1 |  |  |
| 2023-12 | 0 |  | capital falling |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 2 | losing money, reserve under noncurrent |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 0 |  | losing money, reserve under noncurrent |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |

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

- 2026-09-09 [John Marshall Bancorp to acquire Bank of Clarke parent for $253M - Virginia Business](https://news.google.com/rss/articles/CBMimAFBVV95cUxQVmVZeDhGOGxMejd6MnBNNXludE94REFXVmVqQzRzSVJWN1JrV1YzbXFoOVNGbzlnWkZPVnBWUTNOTk5VWFY0LUNHcUtZVW9zakptNlpva2ZuZVlQX2dhUjlzTFBiYmNwb3daVDdkcktUUlV3SDhFWjFnOFdndzVKRGk4cjJObTE5MHAtdXNXbEVrR1pMVk0wbw?oc=5) · Virginia Business
- 2026-09-09 [Virginia banks to combine in $253M deal - Banking Dive](https://news.google.com/rss/articles/CBMipwFBVV95cUxNTkZlbjBnSXI2OElBeWZRcHJuMVdUM0tBOFlmdUNXYmdnYVQxeE9EczUteTVjU3ctNDY4OGlyMklMbnFNeXFEZWV2TF9PTktnd2dpaE5PcS1DMi1Zc1I0dUhyT3oxdFc5cVFGSlpwelluS0hOTHdQTFRoLXViSHJBaS1Cd2FKRndsSlM2bzZucURPSUNKMEtEb3NPZl9XMXNnb2o1ZTdfNA?oc=5) · Banking Dive
- 2026-09-08 [John Marshall Bank buying Bank of Clarke for $253M - The Business Journals](https://news.google.com/rss/articles/CBMiogFBVV95cUxOdzdoYU00ejZVenJ4c056QWRaLWYwNnhnNmhpRTFBZ1h1d1BleVFoanBsQzFkei1sZXJfYXQwaDlvQTlYRy1TakhwUzkxekw3cmV0b2ZxNUFHN0YxQVFCMldqSzVNVmpvT1JPRUFuZldDRmMwM1RlUWt4RlJRUlFqYnBCdW5nSERWbVhRNEkzQ0ZxS0YzbWhBbkRhZmxGa0ZPUmc?oc=5) · The Business Journals
- 2026-09-08 [John Marshall Bancorp, Inc. and Eagle Financial Services, Inc. Announce Strategic Merger Uniting Two of Virginia’s Leading Community Banks - Business Wire](https://news.google.com/rss/articles/CBMinAJBVV95cUxOc09xeHllcENXNFgza1UzTnlMSWw3OHAwNDBuV3J3THdab2xKN1RQQjFuNU9mWElIZFlPQXl4VXYyTTUyeE1jbFRuZU1pVlZJRngyTUdPcDAtN0VJNUR2TlBwR1RIaDdDU0U2RDUtMEdpQmJTX3Q1cEZUMVRkNUZXQ2xyalNLT2VSWjNhNmJ2R2VtWFhFVXFiOTBDa0Y2WExvdmhidHlZU0o4dmx4WURPZmpCcm1TOVVWbzFaaURyWk9OVW9aLS1rOVJzb3IwVFpiY0ZzMllwREpzWkpMU2ZNSnNyckRkcnlsX1A4cXBINEZhS3FhNHE0VWswckc2MUYwRHFsck9QdjFiSGVJQU0yc2Y1UURNME9MQTBaMw?oc=5) · Business Wire
- 2026-09-08 [Branches stay open as Eagle Financial (EFSI) and John Marshall plan 2027 merger - stocktitan.net](https://news.google.com/rss/articles/CBMiyAFBVV95cUxPMEE5aTRmaEFjTmJxTE56OGtkYS1VSF9aSEZqc1ZOTzc0cE1JODIxNS1xYkRqRnd0QWcybS1uV0RkeFpDdXRIUWNFQTJjUENDT3FySmlXWE9USkJHU1JTVmZUYkIzTllJak9WM2JHaVRuZjRHcXR0U21CdUY1Wnhqd3VfbGZidXd3bEszWVZ0ZGxkcjBKQmNXb2tOSmZ6eDlKemNQazBzN3QtYkh3b2ZFdU5yN1RBSGNHbUJFMUt3Qi03Zjl4QkU0Sw?oc=5) · stocktitan.net
- 2026-09-08 [Two Virginia community banks to join forces at Eagle Financial (NASDAQ: EFSI) - stocktitan.net](https://news.google.com/rss/articles/CBMiyAFBVV95cUxPV1lfSm8wSXdmMlRtMGlzWE9wb0lBREdzTW05NFZ4bGowSDR3UGY0S0ZYbjBGTXFoT3d0QzdQUmo4eFFNY2JTYVQydUMwZUZYLUM5OVdwaU04cTJQQlh5dXBTRXh4ajVZMWtSWHJhZkdwVlZKYkJGQnFBSE1rWC1TYmtzNHBjM0Y3dVdMMlg2eWF6ck93ZXhWQWZyOWhZelFPQ1hhN21WdHVYMGUwV2NLajltUkRncms4U3psdDMxemdHWW5HX1RtNw?oc=5) · stocktitan.net
- 2026-08-12 [Bank of Clarke Expands Greenlight Partnership to Support Families with a Multigenerational Safety Solution - PR Newswire](https://news.google.com/rss/articles/CBMi9AFBVV95cUxQS3Y2UVRxYVItcWlqZUdWMFNOWDBQeTZZVWg4d2lhQXc3N0I1N2ZiX2RtZmhxZlRtdkZJTXlxY2dUYWtJbFFVMkFBUnA1YndxNkRCMjZzbWktT0tXeWtUOEI5eG94cmVjSllXbkNraER5TjhrNTUtVEdTTjQwUkdPdWNNcUN2VjFsSWxBUEZiRXk4aXFfd2o5SEtmWGlMRGRsc01MUDZXdmNLYkRRT3cwX0hqNlBFZTJUV2xHVGl3UG1fdEliT21wVHliT0czejY2ZTEzYTBmVGdKekV6VnNBVmxMYnpHSERsQnZ0RHl0ZnpyTnJG?oc=5) · PR Newswire
- 2026-07-15 [Bank of Clarke launches equipment finance platform - Equipment Finance News](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPSWthYy1nb3ZxQTNXWXFldzd3b292cVlBd2dMV2pNYWxFVHQzcVYzYnBFZnFVcE03VS1PUTlFWHJlZmJ0Ylp6XzB1RWxaSnJxclNwMkRjRUNtRVQ3V244VUxsMnZkaE5LTEJNWEU0NU5kZkZ3WkJvQVFKU1ZpbFQ1OXJVQ0dlVWw5ZElqRnlVd3Jjb0UyeGtHTDIxZVVvNnZJYmFISTZzZnFTU0k?oc=5) · Equipment Finance News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=6123 (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/43.json (key "6123", 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