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Overview / Commentary
301 N Green
Clarks, NE 68628

Bank of Clarks is headquartered in Clarks and is the 162nd largest bank in the state of Nebraska. It is also the 6,255th largest bank in the nation. It was established in 1937 and as of March of 2014, it had grown to 10 employees at 2 locations. Bank of Clarks' savings rates are 2X the national average, and it has a C+ health rating.

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Data for Q1 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Bank of Clarks has a low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Bank of Clarks had $762,000 in non-current loans and owned real-estate with $4.33 million in equity and loan loss allowances on hand to cover it. This gives Bank of Clarks a Texas Ratio of 17.59% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Bank of Clarks experienced no significant changes from 15.01% as of March 31, 2013 to 17.59% as of March 31, 2014, resulting in a negative change of 17.17%. This indicates that the balance sheet and financial strength for Bank of Clarks has had no significant changes in recent periods.

Deposit Growth


In the past year, Bank of Clarks has decreased its total deposits by -$3.39 million, resulting in -8.94% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Bank of Clarks has shown is below average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Bank of Clarks has $38.94 million in assets with $4.33 million in equity, resulting in a capitalization level of 11.12%, which is excellent.

Institution Statistics

FDIC Certificate #16953
Year Established1937
Primary RegulatorFDIC
Assets and Liabilities
Assets$38.94 million
Loans$25.25 million
Deposits$34.49 million
Equity Capital$3.67 million
Loan Loss Allowance$667,000
Unbacked Noncurrent Loans$759,000
Real Estate Owned$3,000
Historic Data - March 2013
Assets$42.22 million
Equity Capital$3.56 million
Loan Loss Allowance$706,000
Unbacked Noncurrent Loans$759,000
Real Estate Owned$3,000
Profit Margin - Quarterly
Net Interest Margin4.15%
Return on Assets0.51%
Return on Equity5.27%
Interest Income$396,000

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Bank of Clarks Savings Account Rates

1.26%$500-IRA (Time Open)
0.20%--Passbook Savings

Bank of Clarks Money Market Rates

0.50%$150k-Money Market Account

Bank of Clarks Checking Account Rates

0.20%$2,500-Super Now Account
0.10%$1k-Now Account

Bank of Clarks CD Rates

1.31%$500-60 Month CD
1.21%$500-48 Month CD
1.00%$500-36 Month CD
0.80%$500-30 Month CD
0.80%$500-35 Month One Time Jump-Up CD
0.75%$500-24 Month CD
0.60%$500-18 Month CD
0.60%$500-20 Month One Time Jump-Up CD
0.45%$500-12 Month CD
0.35%$500-9 Month CD
0.25%$500-6 Month CD
0.20%$500-3 Month CD

Bank of Clarks Locations
Bank Of Clarks301 N GreenClarks, NE 68628
Farmers State Bank Of Silver Creek BranchSecond and VineSilver Creek, NE 68663