Bank of Clarks: how it compares with its peers
Against 35 NE banks with half to twice its assets, Bank of Clarks's strongest measure in Q2 2026 is net interest margin (4.31% vs. a 3.68% peer median). Its weakest relative measure is efficiency ratio (90.86% vs. 64.22%).
| Measure | Bank of Clarks | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.29% | 1.23% | Bottom third Ahead of 6% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.31% | 3.68% | Middle third Ahead of 66% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 90.86% | 64.22% | Bottom third Ahead of 0% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.2M | $7.9M | Bottom third Ahead of 0% of peers |
| Loans to deposits Net loans and leases over total deposits. | 88.76% | 76.37% | Context |
What it means for lending operations
Its efficiency ratio of 90.86% is above the 64.22% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Generations Bank Exeter, NE · $58M
- Commercial Bank Nelson, NE · $56M
- State Bank of Scotia Scotia, NE · $61M
- Sidney Federal Savings and Loan Association Sidney, NE · $56M
- Cedar Security Bank Fordyce, NE · $62M
- Tecumseh Federal Bank Tecumseh, NE · $53M
Questions about Bank of Clarks
How big is Bank of Clarks?
Bank of Clarks, established in 1937, is headquartered in Clarks, NE. It reported $58M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Bank of Clarks's return on assets?
0.29% annualized in Q2 2026, against a 1.23% median for 35 NE banks with half to twice its assets, ahead of 6% of them.
What is Bank of Clarks's efficiency ratio?
90.86% in Q2 2026: it spent about 91 cents in noninterest expense for each dollar of revenue. The peer median is 64.22%, and lower is better.
Is Bank of Clarks growing its loans?
Net loans shrank 5.8% over the year to Q2 2026, while deposits shrank 1.2%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are NE banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Nebraska bank ranked.