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Clinton Savings Bank

Clinton, MA · Cert 90181 · Clinton Financial Services MHC

SI · FDIC · 8 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

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 (n=581 to 629). 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

37

Q2 2024Q2 2026peer median (50)

Asset Quality

27

Q2 2024Q2 2026peer median (50)

Profitability

16

Q2 2024Q2 2026peer median (50)

Liquidity

63

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 Savings Bank

Clinton, MA · Cert 90181 · Clinton Financial Services MHC

SI · FDIC · 8 branches

Q2 2026

$744.7MAssets
$518.5MLoans
$581.6MDeposits
$59.4MEquity
Loan mix
98%RE $506.1M1%C&I $6.3M1%Consumer $5.3MQ2 2025Q2 2026
Deposit mix
89%Interest-bearing $516.1M11%Noninterest $65.5MQ2 2025Q2 2026

NIM

4.08%Q2 ’244.27%Q2 ’254.40%Q2 ’26+7%+14%

Non-interest income vs. expense

2.50%Q2 ’242.61%Q2 ’252.79%Q2 ’260%+13%

Market Position · Worcester, MA · 2026 SOD (annual) · 2.6% share · #12 of 26 inst. · $0.6B of $22.5B

Executive Summary

  • Earnings: ROA of 0.35%, up 14 bps year over year; NIM at 2.72%.
  • Asset quality: problem loans at 0.50% of loans (-190 bps YoY), with net charge-offs at 0.66%.
  • Capital: tier 1 leverage ratio of 9.65%, down 76 bps from a year ago.
  • Funding: loans stand at 89.15% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.35%1+14 bps YoY

Net Interest Margin (YTD, annualized)

2.72%+33 bps YoY

Efficiency Ratio (YTD, annualized)

93.16%-82 bps YoY

Tier 1 Leverage Ratio

9.65%-76 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.21%-0.19%-0.71%0.24%0.35%1+14 bps
Return on Equity2.63%-2.31%-8.69%3.01%4.43%+180 bps
Net Interest Margin2.39%2.43%2.49%2.76%2.72%+33 bps
Efficiency Ratio93.98%91.90%93.58%90.04%93.16%-82 bps
Non-Interest Burden2.23%2.21%2.31%2.45%2.51%+28 bps
Growth
Asset Growth (YoY)-0.14%-1.04%0.14%-2.78%0.09%+22 bps
Loan Growth (YoY)-1.24%-1.30%-1.21%-3.52%-2.51%-127 bps
Deposit Growth (YoY)-0.19%-4.55%-5.56%-2.38%-1.62%-143 bps
Asset Quality
Nonperforming Loans / Loans2.40%3.20%1.58%1.68%0.50%-190 bps
Net Charge-Offs / Loans0.19%0.14%1.80%0.09%0.66%+47 bps
Allowance / Loans1.37%2.11%1.45%1.47%1.19%-18 bps
Allowance Coverage of NPLs0.6x0.7x0.9x0.9x2.4x+1.8x
Capital
Tier 1 Leverage Ratio10.41%10.12%9.58%9.55%9.65%-76 bps
Total Risk-Based Capital16.12%15.70%15.16%15.00%14.84%-127 bps
Equity / Assets8.36%8.32%7.92%8.04%7.98%-38 bps
Liquidity & Funding
Loans / Deposits89.96%94.81%92.70%88.77%89.15%-81 bps
Liquid Assets / Assets0.76%0.83%0.53%0.55%1.21%+45 bps
CRE / Total Capitaln/a274%279%280%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. 1 One-time gains made up most of net income in the marked periods. Year to date through Q2 2026, gains on securities were $1.0M before tax, about $757K after an assumed 27% tax, or 58% of net income. Excluding them, ROA would be much lower. Source: Call Report Schedule RI, items 6.a, 6.b and 8.b.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Clinton Savings Bank

Clinton, MA · Cert 90181 · Peer group: banks under $1B in assets (n=581-629) · Clinton Financial Services MHC

SI · FDIC · 8 branches

Q2 2026

$744.7MAssets
$518.5MLoans
$581.6MDeposits
$59.4MEquity

Executive Summary

  • Strongest standing: total risk-based capital ratio outperforms 52% of banks under $1B in assets (rank 301 of 629).
  • Widest gap: net charge-offs / loans trails 95% of banks under $1B in assets (rank 554 of 581).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.35%

Rank 539 of 629

Net Interest Margin

2.72%

Rank 540 of 629

Efficiency Ratio

93.16%

Rank 567 of 629

Equity / Assets

7.98%

Rank 554 of 629

Non-interest income vs. expense

$2.1M$20.9MINCOMEEXPENSE
Unfavorable gap of $18.8M · efficiency ratio beats 10% of banks under $1B in assets
Bank 93.16%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.35%0.60%1.01%1.45%Beats 14%539 / 629
Return on Equity4.39%5.38%9.30%13.28%Beats 19%507 / 629
Net Interest Margin2.72%3.03%3.54%4.05%Beats 14%540 / 629
Efficiency Ratio93.16%58.35%67.79%79.08%Beats 10%567 / 629
Asset Quality
Nonperforming Loans / Loans0.50%0.09%0.46%1.20%Beats 48%305 / 581
Net Charge-Offs / Loans0.33%n/a0.01%0.06%Beats 5%554 / 581
Capital
Tier 1 Capital Ratio13.63%11.24%13.84%18.77%Beats 48%325 / 629
Total Risk-Based Capital Ratio14.84%11.58%14.43%19.66%Beats 52%301 / 629
Equity / Assets7.98%9.09%10.65%13.80%Beats 12%554 / 629
Liquidity & Funding
Loans / Deposits89.15%67.24%80.90%93.48%67th pctl197 / 594
Loans / Assets69.62%53.31%67.71%78.15%55th pctl282 / 629
Brokered Deposits / Depositsn/aNot reported for this institution