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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 $2.7MQ3 2024Q2 2026
Deposit mix
71%Interest-bearing $42.1M29%Noninterest $17.0MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.52%0.62%0.42%0.52%0.56%0.56%0.65%0.73%+21 bps
Return on Equity3.33%4.00%2.70%3.38%3.58%3.59%4.22%4.77%+139 bps
Net Interest Margin3.01%3.08%3.10%3.10%3.35%3.37%4.17%4.11%+100 bps
Efficiency Ratio79.48%76.18%77.41%78.30%78.71%78.89%71.38%70.80%-750 bps
Non-Interest Burden2.33%2.28%2.33%2.37%2.57%2.60%2.89%2.82%+45 bps
Growth
Asset Growth (YoY)1.16%-8.79%4.48%8.31%2.63%4.68%3.30%-1.36%-967 bps
Loan Growth (YoY)5.16%3.70%5.92%4.52%9.27%20.35%18.67%18.45%+1,393 bps
Deposit Growth (YoY)0.81%-9.07%4.43%11.25%2.85%4.41%3.82%-1.86%-1,310 bps
Asset Quality
Nonperforming Loans / Loans0.88%0.01%0.13%0.10%0.97%1.41%2.05%1.77%+167 bps
Net Charge-Offs / Loans0.01%0.00%0.03%0.00%0.00%0.00%0.00%0.04%+4 bps
Allowance / Loans1.17%1.22%1.22%1.22%1.19%1.14%1.19%1.25%+3 bps
Allowance Coverage of NPLs1.3x85.7x9.2x12.8x1.2x0.8x0.6x0.7x-12.1x
Capital
Tier 1 Leverage Ratio18.70%18.38%18.02%17.35%17.89%17.52%17.22%16.82%-53 bps
Total Risk-Based Capital18.70%27.05%26.74%25.84%25.30%24.02%23.73%22.98%-286 bps
Equity / Assets16.35%15.46%15.82%15.01%16.04%15.57%15.29%15.18%+17 bps
Liquidity & Funding
Loans / Deposits75.74%72.49%74.21%72.94%80.46%83.56%84.83%88.03%+1,509 bps
Liquid Assets / Assets0.07%0.11%0.11%0.01%0.18%0.08%0.29%0.05%+4 bps
CRE / Total Capitaln/an/an/an/a38.38%38.97%37.67%n/an/a