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Clinton National Bank, The

Clinton, IA · Cert 4439 · W J Young&Co

National charter · OCC · 8 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in IA3

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 IA (n=134 to 135). 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

50

Q2 2024Q2 2026peer median (50)

Asset Quality

56

Q2 2024Q2 2026peer median (50)

Profitability

11

Q2 2024Q2 2026peer median (50)

Liquidity

53

Q2 2024Q2 2026peer median

Efficiency

10

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 National Bank, The

Clinton, IA · Cert 4439 · W J Young&Co

National charter · OCC · 8 branches

Q2 2026

$396.4MAssets
$233.2MLoans
$340.7MDeposits
$44.7MEquity
Loan mix
78%RE $167.2M20%C&I $42.8M2%Consumer $4.9MQ3 2024Q2 2026
Deposit mix
82%Interest-bearing $280.0M18%Noninterest $60.7MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.62%, up 19 bps year over year; NIM at 2.75%.
  • Asset quality: problem loans at 0.53% of loans (-20 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 13.44%, up 84 bps from a year ago.
  • Funding: loans stand at 68.43% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.62%+19 bps YoY

Net Interest Margin (YTD, annualized)

2.75%+36 bps YoY

Efficiency Ratio (YTD, annualized)

76.93%-538 bps YoY

Tier 1 Leverage Ratio

13.44%+84 bps YoY

NIM

3.39%Q2 ’243.75%Q2 ’253.88%Q2 ’26+25%+15%

Non-interest income vs. expense

2.34%Q2 ’242.44%Q2 ’252.58%Q2 ’26+2%+6%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.37%0.36%0.32%0.43%0.46%0.49%0.56%0.62%+19 bps
Return on Equity4.66%4.44%3.81%4.81%5.04%5.17%5.39%5.82%+101 bps
Net Interest Margin2.38%2.26%2.32%2.39%2.53%2.56%2.68%2.75%+36 bps
Efficiency Ratio83.38%83.88%85.95%82.31%81.17%80.44%78.62%76.93%-538 bps
Non-Interest Burden1.87%1.79%1.90%1.85%1.92%1.92%1.96%1.95%+10 bps
Growth
Asset Growth (YoY)-2.19%3.25%-2.72%0.45%1.37%-2.60%0.47%-0.93%-138 bps
Loan Growth (YoY)2.59%3.79%1.44%4.86%2.61%2.44%4.21%2.42%-245 bps
Deposit Growth (YoY)-6.46%5.97%-2.19%-0.59%1.77%-2.93%-0.05%-1.42%-83 bps
Asset Quality
Nonperforming Loans / Loans0.70%0.61%0.60%0.73%0.54%2.79%0.51%0.53%-20 bps
Net Charge-Offs / Loans0.06%0.04%0.00%0.00%0.00%0.00%-0.01%-0.01%-1 bps
Allowance / Loans1.37%1.38%1.40%1.39%1.36%1.36%1.35%1.37%-2 bps
Allowance Coverage of NPLs2.0x2.2x2.3x1.9x2.5x0.5x2.7x2.6x+0.7x
Capital
Tier 1 Leverage Ratio12.87%12.35%12.67%12.60%13.16%13.24%13.34%13.44%+84 bps
Total Risk-Based Capital12.87%12.35%12.67%12.60%13.16%13.24%13.34%13.44%+84 bps
Equity / Assets9.24%8.36%8.68%9.80%10.05%10.79%10.15%11.26%+146 bps
Liquidity & Funding
Loans / Deposits64.33%63.61%60.16%65.87%64.86%67.13%62.72%68.43%+256 bps
Liquid Assets / Assets3.79%5.57%9.20%2.68%5.57%5.29%9.29%2.20%-48 bps
CRE / Total Capitaln/an/an/an/a143.99%151.30%148.16%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 National Bank, The

Clinton, IA · Cert 4439 · Peer group: banks under $1B in assets in IA (n=134-135) · W J Young&Co

National charter · OCC · 8 branches

Q2 2026

$396.4MAssets
$233.2MLoans
$340.7MDeposits
$44.7MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 64% of banks under $1B in assets in IA (rank 52 of 134).
  • Widest gap: return on assets trails 91% of banks under $1B in assets in IA (rank 123 of 135).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.65%

Rank 123 of 135

Net Interest Margin

2.75%

Rank 116 of 135

Efficiency Ratio

76.93%

Rank 122 of 135

Equity / Assets

11.26%

Rank 64 of 135

Non-interest income vs. expense

$2.7M$10.9MINCOMEEXPENSE
Unfavorable gap of $8.2M · efficiency ratio beats 10% of banks under $1B in assets in IA
Bank 76.93%Peer median 57.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.65%0.92%1.19%1.47%Beats 9%123 / 135
Return on Equity5.76%7.99%10.26%13.14%Beats 10%121 / 135
Net Interest Margin2.75%2.95%3.41%3.73%Beats 14%116 / 135
Efficiency Ratio76.93%50.61%57.35%63.29%Beats 10%122 / 135
Asset Quality
Nonperforming Loans / Loans0.53%0.03%0.51%1.26%Beats 48%71 / 134
Net Charge-Offs / Loans0.00%n/a0.01%0.03%Beats 64%52 / 134
Capital
Tier 1 Capital Ratio13.44%11.23%13.31%15.45%Beats 52%65 / 135
Total Risk-Based Capital Ratio13.44%11.61%14.06%16.47%Beats 45%74 / 135
Equity / Assets11.26%9.87%11.05%13.07%Beats 53%64 / 135
Liquidity & Funding
Loans / Deposits68.43%68.54%81.55%91.24%23rd pctl103 / 134
Loans / Assets58.82%57.61%68.06%76.23%27th pctl98 / 135
Brokered Deposits / Depositsn/aNot reported for this institution