Bank Of Clarke
Berryville, VA
IDRSSD: 753324
Total Assets
$1.93B
Latest filing
Total Deposits
$1.66B
Latest filing
Net Interest Margin
3.75%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Bank Of Clarke
2 E Main St
Berryville, VA 22611
Full Service - Brick and Mortar
Updated 11/14/2025Established 04/01/1881FDIC Certificate 4135
Branches (14)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Bank Of Clarke (Main) | 2 E Main St | Berryville, VA |
| BOYCE BRANCH | 108 W Main St | Boyce, VA |
| PLEASANT VALLEY BRANCH | 2555 S Pleasant Valley Rd | Winchester, VA |
| SENSENY ROAD BRANCH | 1508 Senseny Rd | Winchester, VA |
| OLD TOWN CENTER | 202 N Loudoun St | Winchester, VA |
| STEPHENS CITY BRANCH | 382 Fairfax Pike | Stephens City, VA |
| SUNNYSIDE BRANCH | 1460 N Frederick Pike | Winchester, VA |
| MILLBROOK BRANCH | 1879 Berryville Pike | Winchester, VA |
Showing 7 of 14
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 04/01/1881 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 22611 |
| State and County Number | 51043 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 05 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Washington-Arlington-Alexandria, DC-VA-MD-WV |
Operational Info
| Number of Employees | 245 |
| Domestic Offices | 14 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 12/21/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | http://www.bankofclarke.bank |
| Data Updated | 11/14/2025 |
| CERT | 6123 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.93B |
| Total Deposits | $1.66B |
| Total Liabilities | $1.72B |
| Total Equity Capital | $212.41M |
| Net Income | $5.96M |
| Net Loans and Leases | $1.45B |
| Assets Per Employee ($Millions) | $7.76M |
| Bank Premises and Fixed Assets | $14.88M |
| Cash and Balances due from Depository Institutions | $204.68M |
| Deposits Held in Domestic Offices | $1.66B |
Key Performance Ratios
| Return on Assets (ROA) | 1.2% |
| Return on Equity (ROE) | 11.44% |
| Net Interest Margin | 3.75% |
| Efficiency Ratio | 62.59% |
| Tier 1 Risk-Based Capital Ratio | 14.285% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.22% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.994% |
| Earning Assets to total Assets | 94.33% |
Income and Expense
| Total Interest Income | $25.93M |
| Total Noninterest Income | $5.17M |
| Total Interest Expense | $8.38M |
| Total Noninterest Expense | $14.22M |
| Net Interest Income | $17.55M |
| Pre-tax Net Operating Income | $7.39M |
| Provision for Credit Losses | $1.11M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $40.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $63.45M |
| Federal Funds Purchased and Repurchased Agreement | $101.00k |
| All Other Liabilities | $22.54M |
| Total Liabilities and Capital | $1.93B |
Securities
| Securities | $121.38M |
| Available-for-sale debt securities | $121.38M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Bank Of Clarke?
$1.93B as of the latest filing.
How much are Bank Of Clarke's total deposits?
$1.66B in total deposits.
Where is Bank Of Clarke located?
Berryville, VA.
What is the Net Interest Margin?
3.75%.
How many domestic offices does it operate?
14.
When was it established?
04/01/1881.
What is the Return on Assets (ROA)?
1.2%.
How much are total loans and leases?
$1.45B (latest filing).
What is the total interest income (latest filing)?
$25.93M.