BlastPoint's Banking Scorecard
Bank of Clarks
Micro
Specialty: Agricultural
NE
FDIC cert 16953
Designations: ✓ Community bank
Clarks, NE
2498
banks in Micro tier nationally
97 in NE
View Micro leaderboard (NE) →
Bank of Clarks shows stable performance across key metrics
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$62.3M
+8.7% YoY
+1.5% QoQ
|
-$155.2M |
$217.5M
+2.3% YoY
|
$784.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
Bottom 11% in tier |
| Total Loans ? |
$47.5M
+8.5% YoY
-1.9% QoQ
|
-$91.7M |
$139.2M
+2.8% YoY
|
$552.2M
+6.8% YoY
|
$3.1B
+8.5% YoY
|
18% |
| Total Deposits ? |
$48.2M
-6.5% YoY
+2.0% QoQ
|
-$135.5M |
$183.7M
+1.8% YoY
|
$649.0M
+5.0% YoY
|
$4.7B
+6.3% YoY
|
Bottom 10% in tier |
| Return on Assets ? |
0.35%
+6.0% YoY
-22.7% QoQ
|
-0.73% |
1.08%
+14.7% YoY
|
1.20%
+15.2% YoY
|
1.12%
+15.6% YoY
|
Bottom 13% in tier |
| Net Interest Margin ? |
4.51%
+10.8% YoY
-1.0% QoQ
|
+0.66% |
3.85%
+6.6% YoY
|
3.74%
+7.8% YoY
|
3.75%
+7.1% YoY
|
79% |
| Efficiency Ratio ? |
84.36%
-5.5% YoY
+2.6% QoQ
|
+16.63% |
67.73%
-4.8% YoY
|
61.59%
-6.3% YoY
|
65.09%
-5.1% YoY
|
Bottom 14% in tier |
| Delinquency Rate ? |
1.28%
-13.5% YoY
-14.4% QoQ
|
+0.64% |
0.64%
+24.4% YoY
|
0.29%
+38.1% YoY
|
0.66%
+20.3% YoY
|
23% |
| Loan-to-Deposit Ratio ? |
98.57%
+16.0% YoY
-3.8% QoQ
|
+24.04% |
74.53%
+0.5% YoY
|
82.86%
+0.3% YoY
|
78.04%
+0.7% YoY
|
Bottom 11% in tier |
| Non-Interest-Bearing Deposit Share ? |
23.91%
+4.7% YoY
+10.6% QoQ
|
+1.52% |
22.39%
-1.3% YoY
|
18.22%
-2.1% YoY
|
21.79%
-1.3% YoY
|
59% |
| Nonperforming Asset Ratio ? |
0.98%
-13.7% YoY
-17.2% QoQ
|
+0.53% |
0.45%
+25.1% YoY
|
0.26%
+54.6% YoY
|
0.48%
+20.8% YoY
|
20% |
| Tier 1 Capital Ratio ? |
10.82%
+6.8% YoY
+0.2% QoQ
|
+1.97% |
8.85%
-3.4% YoY
|
6.79%
+0.2% YoY
|
9.75%
-1.9% YoY
|
54% |
| Non-Interest Income / Assets ? |
0.16%
+2.1% YoY
+31.0% QoQ
|
-0.40% |
0.56%
+0.3% YoY
|
0.47%
-3.0% YoY
|
0.65%
+0.6% YoY
|
17% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
79
79th pctile
Net Interest Margin
Current: 4.51% · Tier avg: 3.85%
59
59th pctile
Non-Interest-Bearing Deposit Share
Current: 23.91% · Tier avg: 22.39%
54
54th pctile
Tier 1 Capital Ratio
Current: 10.82% · Tier avg: 8.85%
23
23th pctile
Delinquency Rate
Current: 1.28% · Tier avg: 0.64%
20
20th pctile
Nonperforming Asset Ratio
Current: 0.98% · Tier avg: 0.45%
18
18th pctile
Total Loans
Current: $47.5M · Tier avg: $139.2M
17
17th pctile
Non-Interest Income / Assets
Current: 0.16% · Tier avg: 0.56%
14
14th pctile
Efficiency Ratio
Current: 84.36% · Tier avg: 67.73%
13
13th pctile
Return on Assets
Current: 0.35% · Tier avg: 1.08%
11
11th pctile
Total Assets
Current: $62.3M · Tier avg: $217.5M
11
11th pctile
Loan-to-Deposit Ratio
Current: 98.57% · Tier avg: 74.53%
10
10th pctile
Total Deposits
Current: $48.2M · Tier avg: $183.7M
Top Weaknesses
10
10th pctile
Total Deposits
Current: $48.2M · Tier avg: $183.7M
11
11th pctile
Loan-to-Deposit Ratio
Current: 98.57% · Tier avg: 74.53%
11
11th pctile
Total Assets
Current: $62.3M · Tier avg: $217.5M
13
13th pctile
Return on Assets
Current: 0.35% · Tier avg: 1.08%
14
14th pctile
Efficiency Ratio
Current: 84.36% · Tier avg: 67.73%
17
17th pctile
Non-Interest Income / Assets
Current: 0.16% · Tier avg: 0.56%
18
18th pctile
Total Loans
Current: $47.5M · Tier avg: $139.2M
20
20th pctile
Nonperforming Asset Ratio
Current: 0.98% · Tier avg: 0.45%
23
23th pctile
Delinquency Rate
Current: 1.28% · Tier avg: 0.64%
54
54th pctile
Tier 1 Capital Ratio
Current: 10.82% · Tier avg: 8.85%
59
59th pctile
Non-Interest-Bearing Deposit Share
Current: 23.91% · Tier avg: 22.39%
79
79th pctile
Net Interest Margin
Current: 4.51% · Tier avg: 3.85%