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Clinton Bank

Clinton, KY · Cert 304 · Clinton Bcorp Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in KY3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in KY (n=69). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

85

Q2 2024Q2 2026peer median (50)

Asset Quality

34

Q2 2024Q2 2026peer median (50)

Profitability

37

Q2 2024Q2 2026peer median (50)

Liquidity

64

Q2 2024Q2 2026peer median

Efficiency

26

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Clinton Bank

Clinton, KY · Cert 304 · Clinton Bcorp Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$70.4MAssets
$52.1MLoans
$59.2MDeposits
$10.7MEquity
Loan mix
85%RE $40.3M9%C&I $4.4M6%Consumer $2.7MQ2 2025Q2 2026
Deposit mix
71%Interest-bearing $42.1M29%Noninterest $17.0MQ2 2025Q2 2026

NIM

4.93%Q2 ’244.73%Q2 ’255.56%Q2 ’26-1%+32%

Non-interest income vs. expense

2.70%Q2 ’242.65%Q2 ’253.13%Q2 ’26-2%+19%

Executive Summary

  • Earnings: ROA of 0.73%, up 21 bps year over year; NIM at 4.11%.
  • Asset quality: problem loans at 1.77% of loans (+167 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 16.82%, down 53 bps from a year ago.
  • Funding: loans stand at 88.03% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.73%+21 bps YoY

Net Interest Margin (YTD, annualized)

4.11%+100 bps YoY

Efficiency Ratio (YTD, annualized)

70.80%-750 bps YoY

Tier 1 Leverage Ratio

16.82%-53 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.52%0.56%0.56%0.65%0.73%+21 bps
Return on Equity3.38%3.58%3.59%4.22%4.77%+139 bps
Net Interest Margin3.10%3.35%3.37%4.17%4.11%+100 bps
Efficiency Ratio78.30%78.71%78.89%71.38%70.80%-750 bps
Non-Interest Burden2.37%2.57%2.60%2.89%2.82%+45 bps
Growth
Asset Growth (YoY)8.31%2.63%4.68%3.30%-1.36%-967 bps
Loan Growth (YoY)4.52%9.27%20.35%18.67%18.45%+1,393 bps
Deposit Growth (YoY)11.25%2.85%4.41%3.82%-1.86%-1,310 bps
Asset Quality
Nonperforming Loans / Loans0.10%0.97%1.41%2.05%1.77%+167 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.04%+4 bps
Allowance / Loans1.22%1.19%1.14%1.19%1.25%+3 bps
Allowance Coverage of NPLs12.8x1.2x0.8x0.6x0.7x-12.1x
Capital
Tier 1 Leverage Ratio17.35%17.89%17.52%17.22%16.82%-53 bps
Total Risk-Based Capital25.84%25.30%24.02%23.73%22.98%-286 bps
Equity / Assets15.01%16.04%15.57%15.29%15.18%+17 bps
Liquidity & Funding
Loans / Deposits72.94%80.46%83.56%84.83%88.03%+1,509 bps
Liquid Assets / Assets0.01%0.18%0.08%0.29%0.05%+4 bps
CRE / Total Capitaln/a38.38%38.97%37.67%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Clinton Bank

Clinton, KY · Cert 304 · Peer group: banks under $1B in assets in KY (n=69) · Clinton Bcorp Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$70.4MAssets
$52.1MLoans
$59.2MDeposits
$10.7MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 87% of banks under $1B in assets in KY (rank 9 of 69).
  • Widest gap: return on equity trails 90% of banks under $1B in assets in KY (rank 62 of 69).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.74%

Rank 56 of 69

Net Interest Margin

4.11%

Rank 13 of 69

Efficiency Ratio

70.80%

Rank 52 of 69

Equity / Assets

15.18%

Rank 9 of 69

Non-interest income vs. expense

$0.2M$2.3MINCOMEEXPENSE
Unfavorable gap of $2.0M · efficiency ratio beats 26% of banks under $1B in assets in KY
Bank 70.80%Peer median 63.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.74%0.83%1.18%1.44%Beats 19%56 / 69
Return on Equity4.89%7.64%11.70%15.70%Beats 10%62 / 69
Net Interest Margin4.11%3.45%3.75%3.96%Beats 81%13 / 69
Efficiency Ratio70.80%55.32%62.99%70.80%Beats 26%52 / 69
Asset Quality
Nonperforming Loans / Loans1.77%0.18%0.52%1.14%Beats 16%59 / 69
Net Charge-Offs / Loans0.02%0.01%0.02%0.06%Beats 51%35 / 69
Capital
Tier 1 Capital Ratio21.81%11.33%13.58%16.27%Beats 84%11 / 69
Total Risk-Based Capital Ratio22.98%11.55%14.43%17.27%Beats 84%11 / 69
Equity / Assets15.18%8.31%9.91%12.53%Beats 87%9 / 69
Liquidity & Funding
Loans / Deposits88.03%71.40%81.07%88.03%74th pctl18 / 69
Loans / Assets73.99%61.10%68.66%76.68%62nd pctl26 / 69
Brokered Deposits / Depositsn/aNot reported for this institution