Clinton Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Clinton Bank of Clinton, KY against its peer group of 536 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.80% | 3.14% | -2.34% | 38th below |
| ROAE | 5.33% | 10.43% | -5.10% | 33rd below |
| Net Interest Margin | 4.32% | 3.93% | +0.39% | 69th above |
| Efficiency Ratio | 68.85% | 76.32% | -7.47% | 51st above |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.30% | 1.40% | -0.10% | 54th above |
| Yield on Earning Assets | 5.84% | 5.35% | +0.49% | 71st above |
| Cost of Funds | 1.75% | 1.70% | +0.05% | 40th below |
| Net Interest Spread | 3.35% | 3.31% | +0.04% | 52nd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.08% | 1.34% | +0.74% | 17th bottom |
| NPA / Total Assets | 1.54% | 0.71% | +0.83% | 12th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.09% | 0.11% | -0.02% | 16th bottom |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.25% | 1.49% | -0.24% | 51st above |
| ACL / NPLs (Coverage) | 60.17% | 866.47% | -806.30% | 24th bottom |
| Texas Ratio | 14.30% | 8.24% | +6.06% | 13th bottom |
| Provision / NCO | 754.55% | 312.29% | +442.26% | 93rd top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 21.81% | 62.03% | -40.22% | 50th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 21.81% | 62.03% | -40.22% | 50th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 22.98% | 63.00% | -40.02% | 51st above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 16.82% | 17.61% | -0.79% | 73rd above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 15.18% | 16.43% | -1.25% | 67th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 15.18% | 16.18% | -1.00% | 68th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 88.03% | 72.80% | +15.23% | 21st bottom |
| Core Deposit Ratio | 81.61% | 88.23% | -6.62% | 15th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.36% | 4.31% | -5.67% | 24th bottom |
| Loan Growth (Y/Y) | 18.45% | 6.70% | +11.75% | 90th top |
| Deposit Growth (Y/Y) | -1.86% | 3.78% | -5.64% | 25th below |
See Clinton Bank's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Clinton Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Clinton Bank profile, how to read a UBPR, or how this data updates.