CLINTON SAVINGS BANK

CLINTON, MA | Medium | Est. May 15, 1851, midnight | FDIC #90181 | RSSD #179700 | FDIC
Latest Report: 2025-12-31

CLINTON SAVINGS BANK is amn medium FDIC-insured commercial bank headquartered in CLINTON, MA, established in May 15, 1851, midnight. As of 2025-12-31, the bank reported total assets of $743M and total deposits of $571M. Profitability stands at -2.26% ROA and -27.85% ROE, with a net interest margin of 2.93%. The bank's CET1 capital ratio is 13.91%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.58% and a Texas Ratio of 15.06%. FDIC Certificate #90181.

Assets

$743M

Deposits

$571M

Loans

$529M

Equity

$59M

Profitability

Return on Assets (ROA) -2.26%
Return on Equity (ROE) -27.85%
Net Interest Margin (NIM) 2.93%
Yield on Assets 4.92%
Cost of Funds 2.01%

Asset Quality

NPL Ratio 1.58%
Net Charge-Off Ratio 1.80%
Texas Ratio 15.06%
NPA Ratio 1.35%
ACL / Loans 1.45%

Capital & Liquidity

CET1 Ratio 13.91%
Tier 1 Capital 13.91%
Total Capital Ratio 15.16%
Leverage Ratio 9.58%
Loan-to-Deposit 92.70%

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