Loading bank profile
Data through Q3 2026 · 4,200 institutions
Regulatory profile
Clinton, KY · FDIC certificate #304
CLINTON BANK is an FDIC-insured institution based in Clinton, KY (FDIC certificate #304). In its Q3 2026 Call Report it reported total assets of $75M, total deposits of $64M and net loans of $59M. Its primary federal regulator is FDIC.
Plain-language readout
CLINTON BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $75M in Q3 2026 and were lowest at $70M in Q2 2026.
Total deposits were highest at $64M in Q3 2026 and lowest at $59M in Q2 2026.
Over the whole period total assets rose 4.8%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $75M | $64M | $59M | 0.80% | 5.32% | 4.46% |
| Q2 2026 | $70M | $59M | $51M | 0.73% | 4.77% | 4.37% |
| Q1 2026 | $71M | $60M | $50M | 0.65% | 4.22% | 4.41% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $1.2M | $2.0M | -$726K | -36.8% |
| Federal funds sold | $1.9M | $1.7M | +$235K | +13.9% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $13.8M | $15.4M | -$1.6M | -10.6% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $51.4M | $50.4M | +$1.1M | +2.1% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $327K | $340K | -$13K | -3.8% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $1.7M | $1.7M | +$10K | +0.6% |
| Total assets | $70.4M | $71.5M | -$1.1M | -1.5% |
| Liabilities | ||||
| Total deposits | $59.2M | $60.1M | -$923K | -1.5% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $547K | $433K | +$114K | +26.3% |
| Total liabilities | $59.7M | $60.5M | -$809K | -1.3% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $400K | $400K | $0K | 0.0% |
| Surplus | $900K | $900K | $0K | 0.0% |
| Retained earnings | $10.9M | $11.1M | -$281K | -2.5% |
| Accumulated other comprehensive income | -$1.5M | -$1.5M | +$36K | +2.4% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $10.7M | $10.9M | -$245K | -2.2% |
| Credit and capital | ||||
| Gross nonperforming assets | $922K | $1.0M | -$125K | -11.9% |
| Adjusted nonperforming assets | $922K | $1.0M | -$125K | -11.9% |
| Tangible equity plus allowance | $11.3M | $11.5M | -$201K | -1.7% |
| Texas ratio (gross) | 8.13% | 9.08% | -0.94 pts | See points |
| Texas ratio (adjusted) | 8.13% | 9.08% | -0.94 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 14.30% | 11.44% | +2.86 pts | See points |
| Tier 1 capital to risk-weighted assets | 21.81% | 22.63% | -0.82 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 21.81% | 22.63% | -0.82 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.17% | 1.10% | +0.06 pts | See points |
| Total risk-based capital to risk-weighted assets | 22.98% | 23.73% | -0.75 pts | See points |
| Tier 1 leverage (approximate) | 16.82% | 17.22% | -0.40 pts | See points |
| Construction and land loans to total capital | 2.57% | 2.62% | -0.05 pts | See points |
| Commercial real estate to total capital | 11.96% | 9.27% | +2.69 pts | See points |
| Dividend payout, year to date | 296.55% | 299.15% | -2.59 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -15.31% | -15.31% | +0.01 pts | See points |
| Liquidity | ||||
| Core deposits | $48.3M | $51.1M | -$2.8M | -5.4% |
| Non-core funding | $10.9M | $9.0M | +$1.8M | +20.3% |
| Loans to core deposits | 107.88% | 99.86% | +8.02 pts | See points |
| Loans to deposits | 88.04% | 84.83% | +3.21 pts | See points |
| Brokered deposits share of deposits | 0.85% | 0.84% | +0.01 pts | See points |
| Pledged securities share of securities | 40.12% | 34.27% | +5.86 pts | See points |
| Loans pledged, share of loans | 0.00% | 0.00% | 0.00 pts | See points |
| Volatile liabilities | $10.9M | $9.0M | +$1.8M | +20.3% |
| Earnings | ||||
| Earnings before provision, year to date | $466K | $231K | +$235K | +101.7% |
| Earnings before provision, single quarter | $235K | $231K | +$4K | +1.7% |
| Provision for credit losses, year to date | $83K | $29K | +$54K | +186.2% |
| Yield and cost | ||||
| Yield on loans and leases | 6.97% | 7.08% | -0.11 pts | See points |
| Yield on interest-bearing balances due from banks | 0.00% | 0.00% | 0.00 pts | See points |
| Total interest income to average assets | 5.50% | 5.61% | -0.11 pts | See points |
| Cost of interest-bearing transaction accounts | 0.19% | 0.21% | -0.03 pts | See points |
| Cost of savings and money market deposits | 0.44% | 0.69% | -0.25 pts | See points |
| Cost of time deposits | 3.96% | 3.88% | +0.09 pts | See points |
| Total interest expense to average assets | 1.46% | 1.45% | +0.01 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $75M | $64M | $59M | 0.80% | 5.32% | 4.46% |
| 2026-06-30 | $70M | $59M | $51M | 0.73% | 4.77% | 4.37% |
| 2026-03-31 | $71M | $60M | $50M | 0.65% | 4.22% | 4.41% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| KY | $60.3M | 0.05% | 138 | Continuing · +0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.