Eagle Financial Services is the holding company for Bank of Clarke, a community bank headquartered in Berryville, Virginia that has operated since 1881. Bank of Clarke provides retail and commercial banking services to individuals and businesses across the Shenandoah Valley, Northern Virginia, and Frederick, Maryland, operating through 15 full-service branches across Clarke, Frederick, Fauquier, Loudoun, and Fairfax counties, as well as Winchester and Leesburg. Like most community banks, Bank of Clarke earns money by taking in deposits and lending that money out at a higher rate, with profitability driven by loan volume, deposit volume, and the prevailing interest rate environment. Beyond this core lending spread, the bank generates fee income through its Wealth Management Division, which offers trust services, estate settlement, and fiduciary investment management, as well as brokerage services, commercial deposit services, and participation in title insurance and insurance brokerage ventures. The bank also offers digital banking through online, mobile, and telephone channels. Bank of Clarke's cost structure is driven primarily by its roughly 254 full-time equivalent employees and its branch network. The bank recently expanded into Fairfax County, one of Virginia's most populous and affluent counties, moving beyond its traditional rural and small-city markets into suburban Northern Virginia — a significantly more competitive environment than its home turf in the Shenandoah Valley.