Clinton Bank
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Data as of · sourced from FFIEC call reports. How we update
Clinton Bank is an FDIC-insured commercial bank headquartered in Clinton, KY, established in 1887 (FDIC certificate 304), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $70.4M, down 1.4% from Q2 2025, the 110th largest of 120 banks headquartered in Kentucky. Its CET1 capital ratio was 21.81% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 304
- Headquarters
- Clinton, KY
- Established
- 1887
- Total assets, Q2 2026
- $70.4M
- Assets vs Q2 2025
- -1.4%
- CET1 ratio, Q2 2026
- 21.81%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 083902455
- Holding company
- CLINTON BANCORP, INC.
- Asset rank in state
- 110th of 120 in Kentucky
Problem loans are rising at Clinton Bank. The Clinton, Kentucky bank had $70 million in assets at June 30, 2026, down 1.4% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.77% of loans from 0.10% a year earlier. It grew its loan book 18.5% over the year, 7.2 times the median of 2.6% for the 583 banks with less than $100 million in assets. It also carries problem assets equal to 8.1% of the capital and reserves that would absorb them, 5.9 times the median of 1.4% for banks its size.
Earnings jumped: net income for the quarter was $144,000, 32% above the same quarter a year earlier. Over the same year, loans grew 18.5% and deposits shrank 1.9%.
As of June 30, 2026, Clinton Bank reported a CET1 capital ratio of 21.81%, a return on assets of 0.80%, a nonperforming-loan ratio of 1.77% and a Texas ratio of 8.13%. The figures come from its call report filed with the FFIEC.
Of the 120 banks headquartered in Kentucky, Clinton Bank is the 110th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 1.5% to $70.4M, loans rose 2.2% and deposits fell 1.5%. Farmland and other real estate loans made up 43.3% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 28.0%. Its one office in the FDIC Summary of Deposits is in Clinton, KY. Judged on its Q2 2026 call report, Clinton Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 220 E Clay St, Clinton, KY 42031
- County
- Hickman
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- September 1, 1887
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 14
- Domestic deposits
- $59.2M
- Allowance for credit losses
- $651K
- Net charge-offs (YTD)
- $11K
- Average total assets
- $72.3M
- Average total loans
- $50.3M
- Average interest-bearing deposits
- $42.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 304
- Fed RSSD
- 782548
- Website
- WWW.CLINTONBANKKY.COM →
- Parent Holding Company
- CLINTON BANCORP, INC. (RSSD 2266387)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Clinton Bank's total assets ranged from $65.9M (Q2 2024) to $75.6M (Q4 2023), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$70.4M total assets against $71.4M; $59.7M total liabilities against $60.7M.
$51.4M net loans and leases against $43.4M; $59.2M total deposits against $60.3M.
$13.8M securities against $19.2M; $3.2M cash and balances due against $6.7M.
$994K total interest income against $884K; $263K total interest expense against $304K.
$731K net interest income against $580K.
$58K total noninterest income against $53K; $554K total noninterest expense against $501K.
$54K provision for credit losses against $11K.
$144K net income against $109K.
0.80% return on assets against 0.60%; 4.32% net interest margin against 3.48%.
21.81% CET1 capital ratio against 24.79%; 16.82% tier 1 leverage ratio against 17.35%.
Inside the full Clinton Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeQuarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.41% (Q1 2025) to 0.92% (Q4 2024) and its net interest margin ran from 3.31% (Q3 2024) to 4.39% (Q1 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 21.81% | 0.80% | 1.77% | 8.13% | 4.32% |
| Q1 2026 | 22.63% | 0.65% | 2.05% | 9.08% | 4.39% |
| Q4 2025 | 22.97% | 0.56% | 1.41% | 6.05% | 3.97% |
| Q3 2025 | 24.23% | 0.62% | 0.97% | 3.88% | 3.97% |
| Q2 2025 | 24.79% | 0.60% | 0.10% | 0.37% | 3.48% |
| Q1 2025 | 25.69% | 0.41% | 0.13% | 0.50% | 3.47% |
| Q4 2024 | 26.00% | 0.92% | 0.01% | 0.05% | 3.90% |
| Q3 2024 | — | 0.53% | 0.88% | 3.23% | 3.31% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Clinton Bank (main office) | Clinton , KY | 42031 | $59.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in KY, rank 137 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $50K approved, $50K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2008 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Clinton Bank
What are Clinton Bank's total assets?
As of the Q2 2026 filing, Clinton Bank reported total assets of $70.4 million in its FFIEC call report.
Where is Clinton Bank headquartered?
It is headquartered in Clinton, KY, United States.
When was Clinton Bank founded?
It was established in 1887, per the FDIC institution directory.
Is Clinton Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #304). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Clinton Bank?
Clinton Bank's primary federal regulator is the FDIC.
What is Clinton Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 21.81% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Clinton Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Clinton Bank's Texas Ratio?
Its Texas Ratio is 8.13% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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