BlastPoint's Banking Scorecard
Bank Of Clarke
Community
Specialty: Commercial
VA
FDIC cert 6123
Berryville, VA
1484
banks in Community tier nationally
32 in VA
View Community leaderboard (VA) →
Bank Of Clarke faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 5% in Community
- - Flatlined Growth: Bottom 18% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.9B
+1.2% YoY
-2.3% QoQ
|
+$496.2M |
$1.4B
+2.0% YoY
|
$17.5B
+24.6% YoY
|
$5.9B
+6.5% YoY
|
77% |
| Total Loans ? |
$1.5B
+0.5% YoY
+1.0% QoQ
|
+$487.1M |
$975.5M
+2.4% YoY
|
$10.7B
+28.4% YoY
|
$3.1B
+8.5% YoY
|
80% |
| Total Deposits ? |
$1.6B
+2.0% YoY
-3.0% QoQ
|
+$443.1M |
$1.2B
+1.7% YoY
|
$13.8B
+21.4% YoY
|
$4.7B
+6.3% YoY
|
78% |
| Return on Assets ? |
0.50%
-45.2% YoY
+46.2% QoQ
|
-0.66% |
1.16%
+17.2% YoY
|
0.94%
+24.9% YoY
|
1.12%
+15.6% YoY
|
Bottom 11% in tier |
| Net Interest Margin ? |
3.52%
+14.9% YoY
+2.0% QoQ
|
-0.14% |
3.66%
+9.1% YoY
|
3.66%
+9.0% YoY
|
3.75%
+7.1% YoY
|
43% |
| Efficiency Ratio ? |
66.30%
-3.2% YoY
+1.7% QoQ
|
+3.67% |
62.63%
-5.3% YoY
|
66.70%
-6.7% YoY
|
65.09%
-5.1% YoY
|
37% |
| Delinquency Rate ? |
0.99%
+576.1% YoY
+8.0% QoQ
|
+0.36% |
0.63%
+18.3% YoY
|
0.75%
+37.7% YoY
|
0.66%
+20.3% YoY
|
26% |
| Loan-to-Deposit Ratio ? |
90.97%
-1.4% YoY
+4.1% QoQ
|
+7.91% |
83.06%
+0.3% YoY
|
79.98%
+0.8% YoY
|
78.04%
+0.7% YoY
|
33% |
| Non-Interest-Bearing Deposit Share ? |
26.90%
+4.0% YoY
-14.8% QoQ
|
+5.86% |
21.05%
-0.9% YoY
|
24.23%
+0.2% YoY
|
21.79%
-1.3% YoY
|
76% |
| Nonperforming Asset Ratio ? |
0.77%
+572.0% YoY
+11.6% QoQ
|
+0.27% |
0.50%
+20.3% YoY
|
0.53%
+39.4% YoY
|
0.48%
+20.8% YoY
|
26% |
| Tier 1 Capital Ratio ? |
14.54%
+31.7% YoY
+1.8% QoQ
|
+4.29% |
10.24%
-0.6% YoY
|
11.48%
+7.9% YoY
|
9.75%
-1.9% YoY
|
73% |
| Non-Interest Income / Assets ? |
1.00%
-12.2% YoY
+40.4% QoQ
|
+0.26% |
0.74%
-1.3% YoY
|
0.64%
-0.2% YoY
|
0.65%
+0.6% YoY
|
Top 14% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Liquidity Strain
risk
#28 of 513 · Bottom 5% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
90.97%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
Flatlined Growth
risk
#44 of 245 · Bottom 18% in Community
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
0.50%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
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
86
86th pctile
Non-Interest Income / Assets
Current: 1.00% · Tier avg: 0.74%
80
80th pctile
Total Loans
Current: $1.5B · Tier avg: $975.5M
78
78th pctile
Total Deposits
Current: $1.6B · Tier avg: $1.2B
77
77th pctile
Total Assets
Current: $1.9B · Tier avg: $1.4B
76
76th pctile
Non-Interest-Bearing Deposit Share
Current: 26.90% · Tier avg: 21.05%
73
73th pctile
Tier 1 Capital Ratio
Current: 14.54% · Tier avg: 10.24%
43
43th pctile
Net Interest Margin
Current: 3.52% · Tier avg: 3.66%
37
37th pctile
Efficiency Ratio
Current: 66.30% · Tier avg: 62.63%
33
33th pctile
Loan-to-Deposit Ratio
Current: 90.97% · Tier avg: 83.06%
26
26th pctile
Nonperforming Asset Ratio
Current: 0.77% · Tier avg: 0.50%
26
26th pctile
Delinquency Rate
Current: 0.99% · Tier avg: 0.63%
11
11th pctile
Return on Assets
Current: 0.50% · Tier avg: 1.16%
Top Weaknesses
11
11th pctile
Return on Assets
Current: 0.50% · Tier avg: 1.16%
26
26th pctile
Delinquency Rate
Current: 0.99% · Tier avg: 0.63%
26
26th pctile
Nonperforming Asset Ratio
Current: 0.77% · Tier avg: 0.50%
33
33th pctile
Loan-to-Deposit Ratio
Current: 90.97% · Tier avg: 83.06%
37
37th pctile
Efficiency Ratio
Current: 66.30% · Tier avg: 62.63%
43
43th pctile
Net Interest Margin
Current: 3.52% · Tier avg: 3.66%
73
73th pctile
Tier 1 Capital Ratio
Current: 14.54% · Tier avg: 10.24%
76
76th pctile
Non-Interest-Bearing Deposit Share
Current: 26.90% · Tier avg: 21.05%
77
77th pctile
Total Assets
Current: $1.9B · Tier avg: $1.4B
78
78th pctile
Total Deposits
Current: $1.6B · Tier avg: $1.2B
80
80th pctile
Total Loans
Current: $1.5B · Tier avg: $975.5M
86
86th pctile
Non-Interest Income / Assets
Current: 1.00% · Tier avg: 0.74%