Private Banking
Tailored deposit solutions, including checking, savings, and money market accounts designed for individuals and businesses who expect more from their banking relationship.
Private Banking Since 1866
Who Will Guard Your Legacy When We're Gone?
For over 150 years, Bank of Clarke has been the trusted financial partner for Frederick families and businesses. Your wealth deserves more than a transaction—it deserves a steward.
What We Offer
Comprehensive Financial Services,
Delivered with Personal Attention
Every account we hold, every loan we underwrite, and every strategy we craft is guided by one principle: your financial future matters to us as much as it matters to you.
Lending & Mortgages
From first-time homebuyer loans to commercial real estate financing, our lending team crafts solutions that fit your timeline and your goals—without the big-bank runaround.
Wealth Management
Investment advisory, trust services, and retirement planning guided by fiduciary standards. We help you build, preserve, and pass on what you've worked a lifetime to create.
Commercial Banking
Business lines of credit, equipment financing, and commercial real estate loans for Central Maryland's entrepreneurs and growing companies who value a partner, not a processor.
Treasury Services
Streamline your business operations with ACH services, wire transfers, lockbox processing, and remote deposit—tools that give you control over your cash flow every day.
Estate & Trust Planning
Protect your family's future with our comprehensive trust and estate services. We work alongside your legal advisors to ensure your wishes are honored with precision and care.
Our Story
Rooted in Frederick.
Committed to Your Future.
Bank of Clarke was founded in 1866, making us one of Maryland's oldest continuously operating banks. What began as a single branch serving the farming communities of Clarke County has grown into a trusted financial institution serving Frederick and the surrounding region.
We are not a franchise of a national conglomerate. We are a locally owned, community bank—decidedly small in the way that matters most. Every decision we make is guided by relationships, not algorithms. When you walk through our doors on West Patrick Street, you're met by name, not a queue number.
Our team brings decades of combined experience in private banking, commercial lending, and wealth management. We've helped generations of Frederick families navigate major life transitions—buying their first home, growing a business, planning for retirement, and preserving wealth for the next generation.
150+
Years of Service
121
West Patrick Street
1866
Year Founded
Our Community
Invested in Frederick,
Beyond Our Balance Sheet
We believe a bank's true measure is found not in its assets, but in the lives it touches. That's why we give back—through charitable contributions, community partnerships, and active participation in the organizations that make Frederick home.
Local Partnerships
We sponsor and support local nonprofits, schools, and civic organizations that strengthen the fabric of our community.
Economic Growth
We lend where others won't—investing in local businesses, entrepreneurs, and developments that create jobs and opportunity right here.
Financial Education
We offer free financial literacy workshops and resources to help individuals and families make informed decisions about their money.
I've been banking with Bank of Clarke for over twenty years. When I started, I knew the teller by name. Today, I still do. In a world of apps and automated calls, that personal connection is something I refuse to give up. They've been there through every milestone—buying my first home, expanding my business, planning for my children's education.
A Loyal Client Frederick, MD
Begin the Conversation
Your Financial Story Deserves
a Thoughtful Next Chapter
Whether you're planning for retirement, seeking a trusted lender for your next project, or simply want to understand your options, we're here. No pressure. No obligation. Just honest, expert guidance from people who genuinely care about your success.
Get in Touch
Visit Us or Reach Out
We'd love to hear from you. Stop by our branch, give us a call, or send a message—we'll respond promptly and personally.
Address
121 W Patrick St
Frederick, MD 21701
Phone
Business Hours
Monday – Friday: 9:00 AM – 5:00 PM
Saturday – Sunday: Closed
