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
Unfavorable gap of $8.2M · efficiency ratio beats 10% of banks under $1B in assets in IA | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.65% | 0.92% | 1.19% | 1.47% | Beats 9% | 123 / 135 | | |
| Return on Equity | 5.76% | 7.99% | 10.26% | 13.14% | Beats 10% | 121 / 135 | | |
| Net Interest Margin | 2.75% | 2.95% | 3.41% | 3.73% | Beats 14% | 116 / 135 | | |
| Efficiency Ratio | 76.93% | 50.61% | 57.35% | 63.29% | Beats 10% | 122 / 135 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.53% | 0.03% | 0.51% | 1.26% | Beats 48% | 71 / 134 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.03% | Beats 64% | 52 / 134 | | |
| Capital |
| Tier 1 Capital Ratio | 13.44% | 11.23% | 13.31% | 15.45% | Beats 52% | 65 / 135 | | |
| Total Risk-Based Capital Ratio | 13.44% | 11.61% | 14.06% | 16.47% | Beats 45% | 74 / 135 | | |
| Equity / Assets | 11.26% | 9.87% | 11.05% | 13.07% | Beats 53% | 64 / 135 | | |
| Liquidity & Funding |
| Loans / Deposits | 68.43% | 68.54% | 81.55% | 91.24% | 23rd pctl | 103 / 134 | | |
| Loans / Assets | 58.82% | 57.61% | 68.06% | 76.23% | 27th pctl | 98 / 135 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |