Clinton Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 33.94 percentage points in Q2 2026, from 94.11% to 60.17%. It was the largest change from Q1 2026 among the key lines here. Clinton Bank ranks 103rd of 119 Kentucky banks on return on assets, in the lower half at 0.80% (Q2 2026). Clinton Bank reported 0.80% on return on assets for Q2 2026, 0.18 points below the 0.98% median for banks in the < $100M asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 21.81% |
| Tier 1 risk-based capital ratio | 21.81% |
| Total risk-based capital ratio | 22.98% |
| Tier 1 leverage ratio | 16.82% |
| Equity capital to assets | 15.18% |
| Tangible equity to tangible assets | 15.18% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.08% |
| Non-performing assets ratio | 1.54% |
| Net charge-off ratio | 0.09% |
| Texas ratio | 14.30% |
| Allowance for credit losses to loans | 1.25% |
| Reserve coverage of non-performing loans | 60.17% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.80% |
| Return on equity | 5.33% |
| Net interest margin | 4.32% |
| Efficiency ratio | 68.85% |
| Yield on earning assets | 5.84% |
| Cost of funds | 1.75% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.03% |
| Core deposits to total deposits | 81.61% |
| Brokered deposits to total deposits | 0.85% |
| Deposits to assets | 84.05% |
| Securities to assets | 19.56% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 25.37% | 25.37% | 26.31% | 19.98% | 0.49% |
| Q4 2023 | 24.54% | 24.54% | 25.45% | 18.27% | 0.55% |
| Q1 2024 | 26.25% | 26.25% | 27.24% | 17.46% | 0.44% |
| Q2 2024 | 25.37% | 25.37% | 26.35% | 19.21% | 0.60% |
| Q3 2024 | — | — | — | 18.70% | 0.53% |
| Q4 2024 | 26.00% | 26.00% | 27.05% | 18.38% | 0.92% |
| Q1 2025 | 25.69% | 25.69% | 26.74% | 18.02% | 0.41% |
| Q2 2025 | 24.79% | 24.79% | 25.84% | 17.35% | 0.60% |
| Q3 2025 | 24.23% | 24.23% | 25.30% | 17.89% | 0.62% |
| Q4 2025 | 22.97% | 22.97% | 24.02% | 17.52% | 0.56% |
| Q1 2026 | 22.63% | 22.63% | 23.73% | 17.22% | 0.65% |
| Q2 2026 | 21.81% | 21.81% | 22.98% | 16.82% | 0.80% |
Clinton Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Clinton Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Clinton Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 304) · FFIEC NIC profile (RSSD 782548)