Bank Of Clarke: how it compares with its peers
Against 22 VA banks with half to twice its assets, Bank Of Clarke's strongest measure in Q2 2026 is net interest margin (3.84% vs. a 3.68% peer median). Its weakest relative measure is return on assets (1.02% vs. 1.26%).
| Measure | Bank Of Clarke | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.02% | 1.26% | Middle third Ahead of 36% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.84% | 3.68% | Middle third Ahead of 55% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 62.53% | 59.89% | Middle third Ahead of 36% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.1M | $7.4M | Middle third Ahead of 45% of peers |
| Loans to deposits Net loans and leases over total deposits. | 92.76% | 87.75% | Context |
What it means for lending operations
Its efficiency ratio of 62.53% is above the 59.89% 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
- The National Bank of Blacksburg Blacksburg, VA · $1.83B
- Old Dominion National Bank Charlottesville, VA · $1.80B
- Chesapeake Bank Kilmarnock, VA · $1.72B
- Virginia National Bank Charlottesville, VA · $1.64B
- First Bank Strasburg, VA · $2.07B
- Chain Bridge Bank, National Association Mclean, VA · $2.19B
Questions about Bank Of Clarke
How big is Bank Of Clarke?
Bank Of Clarke, established in 1881, is headquartered in Berryville, VA. It reported $1.85B in total assets in its Q2 2026 FDIC call report and operates 14 offices.
What is Bank Of Clarke's return on assets?
1.02% annualized in Q2 2026, against a 1.26% median for 22 VA banks with half to twice its assets, ahead of 36% of them.
What is Bank Of Clarke's efficiency ratio?
62.53% in Q2 2026: it spent about 63 cents in noninterest expense for each dollar of revenue. The peer median is 59.89%, and lower is better.
Is Bank Of Clarke growing its loans?
Net loans grew 4.3% over the year to Q2 2026, while deposits shrank 9.5%.
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 VA 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 Virginia bank ranked.