The Clinton National Bank
Total assets
$396.4M
▼ -0.9% YoY
Deposits
$340.7M
▼ -1.4% YoY
Loans
$230.0M
▲ +2.4% YoY
Offices
9
W J YOUNG&CO
ROA (annualized)
0.77%
peers 1.24%
ROE (annualized)
7.16%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.9% | +4.4% | -5.3 pts |
| Deposit growth (YoY) | -1.4% | +4.0% | -5.4 pts |
| Loan growth (YoY) | +2.4% | +5.6% | -3.1 pts |
| ROA | 0.77% | 1.24% | -0.5 pts |
| ROE | 7.2% | 11.9% | -4.7 pts |
ROA ranks in the 23rd percentile of its peer group · Q2 2026
Profile
- Established
- 1865
- Charter
- OCC
- Primary regulator
- OCC
- Holding company
- W J YOUNG&CO
- Specialization
- Agricultural Specialization
- Address
- 235 6th Ave S, Clinton, IA, 52732
- County
- Clinton
- Metro area
- Clinton, IA
- Offices
- 9
- FDIC cert #
- 4439
- RSSD ID
- 773443
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $396.4M | $340.7M | $230.0M | $44.7M | $1.6M | 0.77% | 2.90% | 0.31% |
| Q1 2026 | $431.9M | $375.7M | $232.4M | $43.9M | $728K | 0.69% | 2.78% | 0.28% |
| Q4 2025 | $408.2M | $349.6M | $231.5M | $44.0M | $2.5M | 0.60% | 2.68% | 1.60% |
| Q3 2025 | $416.7M | $359.0M | $229.7M | $41.9M | $1.8M | 0.57% | 2.63% | 0.30% |
| Q2 2025 | $400.1M | $345.6M | $224.5M | $39.2M | $1.1M | 0.53% | 2.58% | 0.42% |
| Q1 2025 | $429.8M | $375.9M | $223.0M | $37.3M | $423K | 0.40% | 2.43% | 0.32% |
| Q4 2024 | $419.1M | $360.1M | $225.9M | $35.0M | $1.8M | 0.44% | 2.48% | 0.34% |
| Q3 2024 | $411.1M | $352.8M | $223.8M | $38.0M | $1.4M | 0.46% | 2.49% | 0.39% |
Loan mix (Q2 2026): real estate $170.6M · commercial $38.8M · consumer $4.8M · securities $142.9M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.77% | 1.24% | 23th | |
Return on equity Annualized net income ÷ equity or net worth | 7.2% | 11.9% | 23th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.90% | 3.96% | 7th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.9% | 62.9% | 81th | |
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% |
Balance sheet
| Ratio | Value | 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% |
Capital
| Ratio | Value | 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% |
Credit quality
| Ratio | Value | 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% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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