Clinton Savings Bank

Clinton Savings Bank, based in Clinton, Massachusetts, reported $745 million in assets at June 30, 2026. It keeps 2.84 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 carries problem assets equal to 14.1% of the capital and reserves that would absorb them, 5.3 times the median of 2.6% for banks its size.

Its reported earnings move with the stock market: it holds equity securities whose value runs through net income, and they gained $998,000 on paper in the quarter, out of $1.1 million of pre-tax income. Return on assets swings accordingly, so it is not compared with peers here. Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.50% of loans from 2.40%. Where it has less room is capital: it funds 9.65% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).

As of June 30, 2026, Clinton Savings Bank reported a CET1 capital ratio of 13.63%, a return on assets of 0.46%, a nonperforming-loan ratio of 0.50% and a Texas ratio of 14.10%. The figures come from its call report filed with the FFIEC.