🏦Bank Scorer

BANK OF CLARKE

BERRYVILLE, VA · Supervised by Federal Reserve (FRB)

Est. 1881FDIC #6,123RSSD: FRB-753324
Satisfactory Same

Current rating · Exam: September 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.88%

Institution Profile

FDIC BankFind

Address

2 E Main St, BERRYVILLE, VA

County

Clarke County

Established

April 1, 1881

Total Assets

$1.8B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

September 16, 2024

Exam Type

Intermediate Small Bank

Regulator

Federal Reserve (FRB)
What is a CRA rating? →
Estimated next exam:Sep 2028(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.8B

Total Deposits

$1.6B

Net Loans

$1.4B

Net Income

$4M

ROA

0.88%

ROE

7.51%

Risk-Based Capital

15.62%

Regulatory minimum: 8%

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate18.80%Peer avg: 9.91%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

14

Branch Deposits

$1.8B

1-Year Change

0

5-year net change: +2 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202436765.67%18.80%
202340465.84%19.80%
202236358.68%23.69%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

10 previous ratings locked — dating back to 1997

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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