The Clinton National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Clinton National Bank of Clinton, IA against its peer group of 2672 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 | 0.81% | 1.34% | -0.53% | 24th bottom |
| ROAE | 7.71% | 13.32% | -5.61% | 24th bottom |
| Net Interest Margin | 2.90% | 3.93% | -1.03% | 8th bottom |
| Efficiency Ratio | 74.49% | 61.13% | +13.36% | 20th bottom |
| PPNR / Avg Assets | 0.85% | 1.68% | -0.83% | 16th bottom |
| Yield on Earning Assets | 4.06% | 5.67% | -1.61% | 3rd bottom |
| Cost of Funds | 1.32% | 1.88% | -0.56% | 79th top |
| Net Interest Spread | 2.50% | 3.32% | -0.82% | 14th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.49% | 0.94% | -0.45% | 46th below |
| NPA / Total Assets | 0.29% | 0.70% | -0.41% | 52nd above |
| NCO / Avg Loans | -0.01% | 0.16% | -0.17% | 85th top |
| ACL / Total Loans | 1.37% | 1.28% | +0.09% | 69th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 282.51% | 1539.20% | -1256.69% | 58th above |
| Texas Ratio | 2.78% | 7.33% | -4.55% | 55th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 13.44% | 12.14% | +1.30% | 78th top |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.26% | 11.37% | -0.11% | 63rd above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.47% | 11.09% | -0.62% | 56th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 68.43% | 80.64% | -12.21% | 73rd above |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.93% | 86.86% | +2.07% | 49th below |
| Wholesale Funding Ratio | 2.09% | 5.03% | -2.94% | 67th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.93% | 6.86% | -7.79% | 14th bottom |
| Loan Growth (Y/Y) | 2.42% | 7.90% | -5.48% | 33rd below |
| Deposit Growth (Y/Y) | -1.42% | 6.29% | -7.71% | 16th bottom |
See The Clinton National Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Clinton National 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 The Clinton National Bank profile, how to read a UBPR, or how this data updates.