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
Unfavorable gap of $18.8M · efficiency ratio beats 10% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.35% | 0.60% | 1.01% | 1.45% | Beats 14% | 539 / 629 | | |
| Return on Equity | 4.39% | 5.38% | 9.30% | 13.28% | Beats 19% | 507 / 629 | | |
| Net Interest Margin | 2.72% | 3.03% | 3.54% | 4.05% | Beats 14% | 540 / 629 | | |
| Efficiency Ratio | 93.16% | 58.35% | 67.79% | 79.08% | Beats 10% | 567 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.50% | 0.09% | 0.46% | 1.20% | Beats 48% | 305 / 581 | | |
| Net Charge-Offs / Loans | 0.33% | n/a | 0.01% | 0.06% | Beats 5% | 554 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 13.63% | 11.24% | 13.84% | 18.77% | Beats 48% | 325 / 629 | | |
| Total Risk-Based Capital Ratio | 14.84% | 11.58% | 14.43% | 19.66% | Beats 52% | 301 / 629 | | |
| Equity / Assets | 7.98% | 9.09% | 10.65% | 13.80% | Beats 12% | 554 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 89.15% | 67.24% | 80.90% | 93.48% | 67th pctl | 197 / 594 | | |
| Loans / Assets | 69.62% | 53.31% | 67.71% | 78.15% | 55th pctl | 282 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |