Bank Of Clarke (FDIC #6123): Bank Stress & Real-Estate Credit Exposure

Bank Of Clarke (FDIC Cert #6123): bank stress 63/100, elevated, STABLE over 7 days; parent EAGLE FINANCIAL SERVICES INC (EFSI).

Bank Of Clarke (#6123) lends in 6 counties across 1 state; Bank Of Clarke (#6123) reaches 103 ZIP codes: Virginia 6 counties, 103 ZIPs.

Bank Of Clarke (#6123) largest markets: Fairfax County, VA (49 branches, 49 ZIPs) (#6123), Fauquier County, VA (24 branches, 24 ZIPs) (#6123), Loudoun County, VA (63 branches, 21 ZIPs) (#6123), Frederick County, VA (60 branches, 12 ZIPs) (#6123), Clarke County, VA (14 branches, 7 ZIPs) (#6123), Winchester County, VA (2 branches, 1 ZIPs) (#6123).

Bank Of Clarke (#6123) reports $1.85 billion in total assets; Bank Of Clarke (#6123) equity $222.4 million (12.0% of Bank Of Clarke (#6123) assets); Bank Of Clarke (#6123) domestic deposits $1.60 billion; Bank Of Clarke (#6123) net income $9.5 million; Bank Of Clarke (#6123) return on assets 1.02%; Bank Of Clarke (#6123) return on equity 8.64%; Bank Of Clarke (#6123) net interest income $33.6 million; Bank Of Clarke (#6123) call report June 30, 2026.

Bank Of Clarke (#6123) noncurrent real-estate loans 0.25% of its book; Bank Of Clarke (#6123) multifamily 9.48%; Bank Of Clarke (#6123) net charge-offs on real estate 1.10%; Bank Of Clarke (#6123) multifamily charge-offs 21.81%; Bank Of Clarke (#6123) residential charge-offs 0.64%.

Bank Of Clarke (#6123) net interest margin 3.84% against an eight-quarter Bank Of Clarke (#6123) average of 3.37% (Bank Of Clarke (#6123) compression -0.47 points); Bank Of Clarke (#6123) real-estate loans 24.6% of equity; Bank Of Clarke (#6123) non-residential real estate 64.3% of equity; Bank Of Clarke (#6123) rate-exposure score 40/100, Bank Of Clarke (#6123) fixed-rate trap 40/100; Bank Of Clarke (#6123) risk type credit driven; Bank Of Clarke (#6123) rate regime rates elevated; Bank Of Clarke (#6123) shares 1.5% below the 52-week high, Bank Of Clarke (#6123) equity trend strong, Bank Of Clarke (#6123) snapshot October 20, 2026.

Bank Of Clarke (#6123) stress score moved from 64.7 on June 22, 2026 to 62.9 on October 20, 2026; Bank Of Clarke (#6123) ranged 62.9 to 64.7 over 117 snapshots.

Bank Of Clarke (#6123) alerts: 5 counties; top Bank Of Clarke (#6123) alert scores: Winchester County, VA 41 (moderate); Boyce County, VA 21 (low); Mclean County, VA 21 (low); Purcellville County, VA 21 (low); Warrenton County, VA 21 (low).