| Metric | Clinton Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.4% | +3.0% | -4.3 pts |
| Deposit growth (YoY) | -1.9% | +2.4% | -4.3 pts |
| Loan growth (YoY) | +18.4% | +2.6% | +15.8 pts |
| ROA | 0.73% | 1.00% | -0.3 pts |
| ROE | 4.8% | 8.1% | -3.3 pts |
ROA ranks in the 37th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $70.4M | $59.2M | $51.4M | $10.7M | $261K | 0.73% | 4.37% | 1.31% |
| Q1 2026 | $71.5M | $60.1M | $50.4M | $10.9M | $117K | 0.65% | 4.41% | 1.47% |
| Q4 2025 | $72.2M | $60.6M | $50.0M | $11.2M | $393K | 0.56% | 3.69% | 0.99% |
| Q3 2025 | $69.6M | $58.0M | $46.1M | $11.2M | $292K | 0.56% | 3.62% | 0.65% |
| Q2 2025 | $71.4M | $60.3M | $43.4M | $10.7M | $182K | 0.52% | 3.44% | 0.06% |
| Q1 2025 | $69.2M | $57.9M | $42.4M | $10.9M | $73K | 0.42% | 3.41% | 0.08% |
| Q4 2024 | $68.9M | $58.0M | $41.5M | $10.7M | $427K | 0.62% | 3.27% | 0.01% |
| Q3 2024 | $67.8M | $56.4M | $42.2M | $11.1M | $267K | 0.52% | 3.12% | 0.55% |
Loan mix (Q2 2026): real estate $41.2M · commercial $4.1M · consumer $2.5M · securities $13.8M
| Ratio | Clinton Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.73% | 1.00% | 37th | |
Return on equity Annualized net income ÷ equity or net worth | 4.8% | 8.1% | 31st | |
Net interest margin Interest income − interest expense, ÷ assets | 4.37% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.8% | 70.7% | 50th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Clinton Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Clinton Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Clinton Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Clinton Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Clinton Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
1 branches in 1 county across 1 state (+0 vs 2025) · $59.2M branch deposits. Biggest market: Hickman, KY, ranked 2nd with 29.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Hickman, KY | 1 | $59.2M | 29.58% | 2nd |
Kentucky: 168th with 0.04% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1
Technology spend in line with peers (25 bps of assets, 2025). Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).