CLINTON BANK

CLINTON, KY | Micro | Est. Sept. 1, 1887, midnight | FDIC #304 | RSSD #782548 | FDIC
Latest Report: 2025-12-31

CLINTON BANK is amn micro FDIC-insured commercial bank headquartered in CLINTON, KY, established in Sept. 1, 1887, midnight. As of 2025-12-31, the bank reported total assets of $72M and total deposits of $61M. Profitability stands at 0.57% ROA and 3.61% ROE, with a net interest margin of 4.05%. The bank's CET1 capital ratio is 22.97%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.88% and a Texas Ratio of 3.77%. FDIC Certificate #304.

Assets

$72M

Deposits

$61M

Loans

$51M

Equity

$11M

Profitability

Return on Assets (ROA) 0.57%
Return on Equity (ROE) 3.61%
Net Interest Margin (NIM) 4.05%
Yield on Assets 5.81%
Cost of Funds 2.43%

Asset Quality

NPL Ratio 0.88%
Net Charge-Off Ratio 0.00%
Texas Ratio 3.77%
NPA Ratio 0.62%
ACL / Loans 1.14%

Capital & Liquidity

CET1 Ratio 22.97%
Tier 1 Capital 22.97%
Total Capital Ratio 24.02%
Leverage Ratio 17.52%
Loan-to-Deposit 83.56%

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