Clinton Savings 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 150.08 percentage points higher than in Q1 2026, at 237.45%. Within Massachusetts, Clinton Savings Bank is 66th of 89 on return on assets, 0.46% as of Q2 2026, below the middle of the field. Clinton Savings Bank's return on assets of 0.46% is well below the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.79 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.63% |
| Tier 1 risk-based capital ratio | 13.63% |
| Total risk-based capital ratio | 14.84% |
| Tier 1 leverage ratio | 9.65% |
| Equity capital to assets | 7.98% |
| Tangible equity to tangible assets | 7.98% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.50% |
| Non-performing assets ratio | 1.24% |
| Net charge-off ratio | 1.23% |
| Texas ratio | 14.10% |
| Allowance for credit losses to loans | 1.19% |
| Reserve coverage of non-performing loans | 237.45% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.46% |
| Return on equity | 5.85% |
| Net interest margin | 2.84% |
| Efficiency ratio | 95.93% |
| Yield on earning assets | 4.65% |
| Cost of funds | 1.80% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.15% |
| Core deposits to total deposits | 83.28% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 78.09% |
| Securities to assets | 21.58% |
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 | 15.66% | 15.66% | 16.77% | 10.93% | 0.37% |
| Q4 2023 | 16.09% | 16.09% | 17.18% | 11.00% | 0.49% |
| Q1 2024 | 15.94% | 15.94% | 17.07% | 10.97% | 0.17% |
| Q2 2024 | 14.89% | 14.89% | 16.14% | 10.52% | -0.81% |
| Q3 2024 | 14.76% | 14.76% | 16.01% | 10.33% | 0.25% |
| Q4 2024 | 14.78% | 14.78% | 16.03% | 10.27% | -0.32% |
| Q1 2025 | 14.69% | 14.69% | 15.94% | 10.27% | -0.16% |
| Q2 2025 | 14.86% | 14.86% | 16.12% | 10.41% | 0.58% |
| Q3 2025 | 14.44% | 14.44% | 15.70% | 10.12% | -0.98% |
| Q4 2025 | 13.91% | 13.91% | 15.16% | 9.58% | -2.22% |
| Q1 2026 | 13.75% | 13.75% | 15.00% | 9.55% | 0.24% |
| Q2 2026 | 13.63% | 13.63% | 14.84% | 9.65% | 0.46% |
Clinton Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Clinton Savings 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 Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90181) · FFIEC NIC profile (RSSD 179700)