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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

4.81%Q2 ’244.85%Q2 ’255.50%Q2 ’26+0%+27%

Non-interest income vs. expense

2.61%Q2 ’242.75%Q2 ’253.07%Q2 ’26+6%+12%

Executive Summary

  • Earnings: ROA of 0.81%, up 19 bps year over year; NIM at 4.05%.
  • Asset quality: problem loans at 1.77% of loans (+167 bps YoY), with net charge-offs at 0.08%.
  • 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 (quarter, annualized)

0.81%+19 bps YoY

Net Interest Margin (quarter, annualized)

4.05%+87 bps YoY

Efficiency Ratio (quarter, annualized)

70.22%-893 bps YoY

Tier 1 Leverage Ratio

16.82%-53 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.62%0.62%0.57%0.65%0.81%+19 bps
Return on Equity4.03%4.02%3.61%4.22%5.33%+130 bps
Net Interest Margin3.18%3.65%3.66%4.17%4.05%+87 bps
Efficiency Ratio79.15%79.43%79.38%71.38%70.22%-893 bps
Non-Interest Burden2.46%2.83%2.84%2.89%2.75%+29 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 / Loans-0.02%-0.01%0.02%0.00%0.08%+10 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