Clinton, LA · Cert 307 · Clinton Bancshares Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
Market Position · Baton Rouge, LA · 2026 SOD (annual) · 0.8% share · #17 of 40 inst. · $0.2B of $26.7B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.28% | 0.33% | 0.44% | 0.62% | 0.66% | 0.61% | 0.75% | 0.72% | +9 bps | |
| Return on Equity | 3.30% | 3.91% | 5.05% | 7.03% | 7.35% | 6.77% | 7.69% | 7.08% | +5 bps | |
| Net Interest Margin | 3.87% | 3.85% | 4.06% | 4.30% | 4.36% | 4.28% | 3.85% | 4.30% | 0 bps | |
| Efficiency Ratio | 86.16% | 85.49% | 85.10% | 80.54% | 79.51% | 79.73% | 74.44% | 76.30% | -424 bps | |
| Non-Interest Burden | 3.28% | 3.20% | 3.43% | 3.41% | 3.41% | 3.35% | 2.79% | 3.21% | -20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.58% | 2.99% | -2.81% | 1.28% | 6.71% | 25.78% | 13.98% | 12.53% | +1,125 bps | |
| Loan Growth (YoY) | 4.93% | 4.37% | 2.25% | 6.12% | 9.33% | 9.97% | 11.01% | 8.60% | +248 bps | |
| Deposit Growth (YoY) | 8.03% | 7.66% | -1.94% | 0.63% | 6.63% | 24.59% | 12.15% | 10.56% | +993 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.74% | 2.11% | 2.54% | 1.90% | 1.96% | 1.51% | 1.66% | 1.91% | 0 bps | |
| Net Charge-Offs / Loans | 0.12% | 0.26% | 0.09% | 0.26% | 0.17% | 0.12% | 0.02% | 0.01% | -25 bps | |
| Allowance / Loans | 1.19% | 1.00% | 1.02% | 0.92% | 0.96% | 1.01% | 1.05% | 1.09% | +17 bps | |
| Allowance Coverage of NPLs | 0.4x | 0.5x | 0.4x | 0.5x | 0.5x | 0.7x | 0.6x | 0.6x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.72% | 9.87% | 9.96% | 10.26% | 10.15% | 12.27% | 10.27% | 11.46% | +120 bps | |
| Total Risk-Based Capital | 9.72% | 9.87% | 9.96% | 10.26% | 10.15% | 12.27% | 10.27% | 11.46% | +120 bps | |
| Equity / Assets | 9.00% | 8.23% | 9.06% | 9.26% | 9.14% | 9.10% | 10.59% | 10.84% | +157 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.79% | 75.69% | 80.42% | 83.81% | 82.84% | 66.80% | 79.61% | 82.33% | -148 bps | |
| Liquid Assets / Assets | 4.53% | 3.72% | 5.97% | 3.86% | 5.22% | 19.65% | 9.25% | 5.75% | +189 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 269% | 236% | 243% | n/a | n/a | |