Clinton, OK · Cert 15348 · Clinton Bancshares Inc.
State charter, Fed member · FED · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.32% | 1.42% | 1.57% | 1.32% | 1.52% | +21 bps | |
| Return on Equity | 9.67% | 10.20% | 11.01% | 9.24% | 10.61% | +94 bps | |
| Net Interest Margin | 4.14% | 4.15% | 4.28% | 3.71% | 4.08% | -5 bps | |
| Efficiency Ratio | 61.88% | 57.77% | 58.73% | 58.58% | 55.90% | -598 bps | |
| Non-Interest Burden | 2.49% | 2.34% | 2.28% | 2.09% | 2.14% | -36 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.58% | -8.36% | -5.47% | 3.14% | 1.81% | +123 bps | |
| Loan Growth (YoY) | -3.10% | -5.91% | -1.33% | -0.67% | 6.48% | +958 bps | |
| Deposit Growth (YoY) | 1.86% | -6.40% | -6.60% | 1.69% | 1.04% | -82 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.59% | 0.03% | 0.48% | 0.10% | 0.02% | -57 bps | |
| Net Charge-Offs / Loans | 0.12% | 0.06% | 0.02% | 0.00% | 0.00% | -12 bps | |
| Allowance / Loans | 1.33% | 1.30% | 1.25% | 1.26% | 1.23% | -10 bps | |
| Allowance Coverage of NPLs | 2.3x | 43.7x | 2.6x | 12.4x | 65.3x | +63.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 16.25% | 16.17% | 16.49% | 16.01% | 16.68% | +43 bps | |
| Total Risk-Based Capital | 16.25% | 16.17% | 16.49% | 16.01% | 16.68% | +43 bps | |
| Equity / Assets | 13.92% | 13.95% | 14.66% | 13.98% | 14.78% | +86 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 42.78% | 43.41% | 48.25% | 43.17% | 45.08% | +230 bps | |
| Liquid Assets / Assets | 32.80% | 33.36% | 34.24% | 37.57% | 38.87% | +607 bps | |
| CRE / Total Capital | n/a | 10.16% | 8.96% | 9.15% | n/a | n/a | |