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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 $4.9MQ2 2025Q2 2026
Deposit mix
82%Interest-bearing $280.0M18%Noninterest $60.7MQ2 2025Q2 2026

NIM

3.41%Q2 ’243.85%Q2 ’253.91%Q2 ’26+30%+13%

Non-interest income vs. expense

2.38%Q2 ’242.43%Q2 ’252.58%Q2 ’26-1%+6%

Executive Summary

  • Earnings: ROA of 0.67%, up 14 bps year over year; NIM at 2.81%.
  • 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.

Financial Results

Return on Assets (quarter, annualized)

0.67%+14 bps YoY

Net Interest Margin (quarter, annualized)

2.81%+32 bps YoY

Efficiency Ratio (quarter, annualized)

75.30%-365 bps YoY

Tier 1 Leverage Ratio

13.44%+84 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.53%0.54%0.57%0.56%0.67%+14 bps
Return on Equity5.75%5.49%5.44%5.39%6.28%+53 bps
Net Interest Margin2.49%2.62%2.67%2.68%2.81%+32 bps
Efficiency Ratio78.95%79.01%78.38%78.62%75.30%-365 bps
Non-Interest Burden1.82%1.92%1.94%1.96%1.94%+12 bps
Growth
Asset Growth (YoY)0.45%1.37%-2.60%0.47%-0.93%-138 bps
Loan Growth (YoY)4.86%2.61%2.44%4.21%2.42%-245 bps
Deposit Growth (YoY)-0.59%1.77%-2.93%-0.05%-1.42%-83 bps
Asset Quality
Nonperforming Loans / Loans0.73%0.54%2.79%0.51%0.53%-20 bps
Net Charge-Offs / Loans0.00%0.01%-0.02%-0.01%-0.01%-1 bps
Allowance / Loans1.39%1.36%1.36%1.35%1.37%-2 bps
Allowance Coverage of NPLs1.9x2.5x0.5x2.7x2.6x+0.7x
Capital
Tier 1 Leverage Ratio12.60%13.16%13.24%13.34%13.44%+84 bps
Total Risk-Based Capital12.60%13.16%13.24%13.34%13.44%+84 bps
Equity / Assets9.80%10.05%10.79%10.15%11.26%+146 bps
Liquidity & Funding
Loans / Deposits65.87%64.86%67.13%62.72%68.43%+256 bps
Liquid Assets / Assets2.68%5.57%5.29%9.29%2.20%-48 bps
CRE / Total Capitaln/a143.99%151.30%148.16%n/an/a