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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 $4.9MQ3 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