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
Unfavorable gap of $2.0M · efficiency ratio beats 26% of banks under $1B in assets in KY | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.74% | 0.83% | 1.18% | 1.44% | Beats 19% | 56 / 69 | |
| Return on Equity | 4.89% | 7.64% | 11.70% | 15.70% | Beats 10% | 62 / 69 | |
| Net Interest Margin | 4.11% | 3.45% | 3.75% | 3.96% | Beats 81% | 13 / 69 | |
| Efficiency Ratio | 70.80% | 55.32% | 62.99% | 70.80% | Beats 26% | 52 / 69 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.77% | 0.18% | 0.52% | 1.14% | Beats 16% | 59 / 69 | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.02% | 0.06% | Beats 51% | 35 / 69 | |
| Capital |
| Tier 1 Capital Ratio | 21.81% | 11.33% | 13.58% | 16.27% | Beats 84% | 11 / 69 | |
| Total Risk-Based Capital Ratio | 22.98% | 11.55% | 14.43% | 17.27% | Beats 84% | 11 / 69 | |
| Equity / Assets | 15.18% | 8.31% | 9.91% | 12.53% | Beats 87% | 9 / 69 | |
| Liquidity & Funding |
| Loans / Deposits | 88.03% | 71.40% | 81.07% | 88.03% | 74th pctl | 18 / 69 | |
| Loans / Assets | 73.99% | 61.10% | 68.66% | 76.68% | 62nd pctl | 26 / 69 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |