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Bank Of Clarke
Berryville, VA · FDIC Certificate #6123 · Chartered 04/0
Total assets
$1.85B
Total deposits
$1.60B
Total equity
$222.39M
Net loans
$1.49B
Branches (offices)
14
Net income (YTD)
$9.47M
Rank: #640 of 4,213 U.S. banks by assets · #18 of 56 in Virginia. Assets changed -9.2% and deposits -9.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.02% |
| Return on equity | 8.64% |
| Net interest margin (YTD) | 3.84% |
| Equity to assets | 12.04% |
| Tier 1 leverage ratio | 12.27% |
| Uninsured deposits (share of deposits) | 26.5% |
| Noncurrent loans (share of loans) | 1.07% |
| Net charge-offs (share of loans) | 0.30% |
| Loans to deposits | 92.8% |
| Real estate loans (share of loans) | 80.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.19B | 80.0% | |
| Commercial & industrial | $213.55M | 14.4% | |
| Consumer / individual | $89.44M | 6.0% | |
| Construction & development | $84.37M | 5.7% | |
| Agricultural | $55.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.40B | $1.24B | $7.67M | $118.48M |
| Jun 2023 | $1.78B | $1.46B | $5.44M | $130.78M |
| Jun 2024 | $1.79B | $1.49B | $6.47M | $139.37M |
| Jun 2025 | $2.03B | $1.77B | -$960.00K | $204.73M |
| Jun 2026 | $1.85B | $1.60B | $9.47M | $222.39M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Virginia | $1.60B | 14 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.60B.
Similar-sized banks
First State Bank ($1.85B) · Legacy Bank & Trust Company ($1.85B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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