The Clinton National Bank
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Data as of · sourced from FFIEC call reports. How we update
The Clinton National Bank is an FDIC-insured commercial bank headquartered in Clinton, IA, established in 1865 (FDIC certificate 4439), and it is supervised by the OCC. At Q2 2026 it reported total assets of $396.4M, down 0.9% from Q2 2025, the 81st largest of 225 banks headquartered in Iowa. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.44% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 4439
- Headquarters
- Clinton, IA
- Established
- 1865
- Total assets, Q2 2026
- $396.4M
- Assets vs Q2 2025
- -0.9%
- Tier 1 leverage ratio, Q2 2026
- 13.44%
- Domestic offices
- 9 FDIC institution directory, current count
- Routing number
- 073900441
- Latest call report
- Q2 2026, FFIEC 041 · The Clinton National Bank call report
- Holding company
- W. J. YOUNG & CO.
- Asset rank in state
- 81st of 225 in Iowa
The Clinton National Bank, based in Clinton, Iowa, reported $396 million in assets at June 30, 2026. It keeps 2.90 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also lost 1.4% of its deposits over the year, lower than about three-quarters of banks its size (median 4.0%).
Paper losses on its bond portfolio are shrinking: unrealized losses of $15 million equal 27% of Tier 1 capital, down from 34% a year earlier. Net income for the quarter rose 26% from a year earlier, to $853,000. Costs are the weak spot: it spends about 74 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, The Clinton National Bank reported a return on assets of 0.81%, a nonperforming-loan ratio of 0.53% and a Texas ratio of 2.78%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The Clinton National Bank is the 81st largest of the 225 banks headquartered in Iowa. Between Q1 2026 and Q2 2026, its total assets fell 8.2% to $396.4M, loans fell 1.0% and deposits fell 9.3%. The largest part of its loan book on June 30, 2026 was farmland and other real estate loans, at 19.4% of total loans, ahead of non-owner-occupied commercial real estate loans at 18.9%. Its 8 offices in the FDIC Summary of Deposits are in 6 cities in IA; its Clinton 3 offices book 62% of its branch deposits. By the capital ratios in its Q2 2026 call report, The Clinton National Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 235 6th Ave S, Clinton, IA 52732
- County
- Clinton
- Metro Area
- Clinton, IA
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- May 1, 1865
- Domestic offices
- 9 FDIC institution directory, current count
- Employees (FTE)
- 86
- Domestic deposits
- $340.7M
- Allowance for credit losses
- $3.2M
- Net charge-offs (YTD)
- -$9K
- Average total assets
- $421.6M
- Average total loans
- $232.8M
- Average interest-bearing deposits
- $289.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4439
- Fed RSSD
- 773443
- Website
- www.clintonnational.com →
- Parent Holding Company
- W. J. YOUNG & CO. (RSSD 1234491)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, The Clinton National Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, The Clinton National Bank's total assets ran between $396.4M (Q2 2026) and $441.9M (Q1 2024), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$396.4M total assets against $400.1M; $351.8M total liabilities against $360.9M.
$230.0M net loans and leases against $224.5M; $340.7M total deposits against $345.6M.
$142.9M securities against $149.7M; $10.9M cash and balances due against $12.9M.
$4.1M total interest income against $4.2M; $1.2M total interest expense against $1.5M.
$2.9M net interest income against $2.7M.
$679K total noninterest income against $669K; $2.7M total noninterest expense against $2.7M.
$7K provision for credit losses against $7K.
$853K net income against $675K.
0.81% return on assets against 0.62%; 2.90% net interest margin against 2.58%.
13.44% tier 1 leverage ratio against 12.60%.
Inside the full The Clinton National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Clinton National Bank rankings
Its closest position to the top of a national ranking is 2,061 of 4,196, for total assets; its furthest is 3,022 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.36% (Q4 2024) to 1.20% (Q3 2024) and its net interest margin ran from 2.32% (Q4 2024) to 3.26% (Q3 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.44% | 0.81% | 0.53% | 2.78% | 2.90% |
| Q1 2026 | 13.34% | 0.69% | 0.51% | 2.74% | 2.77% |
| Q4 2025 | 13.24% | 0.68% | 2.79% | 14.96% | 2.76% |
| Q3 2025 | 13.16% | 0.65% | 0.54% | 3.02% | 2.71% |
| Q2 2025 | 12.60% | 0.62% | 0.73% | 4.27% | 2.58% |
| Q1 2025 | 12.67% | 0.39% | 0.60% | 3.69% | 2.40% |
| Q4 2024 | 12.35% | 0.36% | 0.61% | 4.05% | 2.32% |
| Q3 2024 | 12.87% | 1.20% | 0.70% | 4.06% | 3.26% |
Swipe the table sideways to see every column.
Branch Network
View all 8 branches → 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 |
|---|---|---|---|
| The Clinton National Bank | Clinton , IA | 52732 | $132.3M |
| Preston Community Branch | Preston , IA | 52069 | $57.1M |
| Lyons Branch | Clinton , IA | 52732 | $54.2M |
| Camanche Branch | Camanche , IA | 52730 | $35.7M |
| Lincolnway Branch | Clinton , IA | 52732 | $24.0M |
| 329 Ferry Road Branch | Miles , IA | 52064 | $14.4M |
| Andover Branch | Andover , IA | 52701 | $12.2M |
| Sabula Branch | Sabula , IA | 52070 | $10.9M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 11, 1987 | Structure Change | Acquired Hawkeye Bank and Trust Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 10, 1987 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in IA, rank 87 of 261 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 2023 (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 The Clinton National Bank
What are The Clinton National Bank's total assets?
As of the Q2 2026 filing, The Clinton National Bank reported total assets of $396.4 million in its FFIEC call report.
Where is The Clinton National Bank headquartered?
It is headquartered in Clinton, IA, United States.
When was The Clinton National Bank founded?
It was established in 1865, per the FDIC institution directory.
Is The Clinton National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #4439). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Clinton National Bank?
The Clinton National Bank's primary federal regulator is the OCC.
How many branches does The Clinton National Bank operate?
It operates 9 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Clinton National Bank's Texas Ratio?
Its Texas Ratio is 2.78% 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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