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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Clinton, MA · FDIC certificate #90181
CLINTON SAVINGS BANK is an FDIC-insured institution based in Clinton, MA (FDIC certificate #90181). In its Q3 2026 Call Report it reported total assets of $742M, total deposits of $602M and net loans of $523M. Its primary federal regulator is FDIC.
Plain-language readout
CLINTON SAVINGS BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $745M in Q2 2026 and were lowest at $729M in Q1 2026.
Total deposits were highest at $602M in Q3 2026 and lowest at $582M in Q2 2026.
Over the whole period total assets rose 1.9%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $742M | $602M | $523M | 0.29% | 3.75% | 3.02% |
| Q2 2026 | $745M | $582M | $512M | 0.35% | 4.43% | 2.98% |
| Q1 2026 | $729M | $583M | $510M | 0.24% | 3.01% | 3.03% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $14.7M | $7.5M | +$7.2M | +95.2% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| 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) | $149.7M | $149.5M | +$136K | +0.1% |
| Equity securities with readily determinable fair values, not held for trading | $11.0M | $9.9M | +$1.1M | +11.1% |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $512.3M | $510.0M | +$2.2M | +0.4% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $9.7M | $9.8M | -$159K | -1.6% |
| Other real estate owned | $6.7M | $1.7M | +$5.0M | +303.0% |
| 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) | $235K | $244K | -$9K | -3.7% |
| All other assets | $40.5M | $40.1M | +$337K | +0.8% |
| Total assets | $744.7M | $728.9M | +$15.8M | +2.2% |
| Liabilities | ||||
| Total deposits | $581.6M | $583.1M | -$1.6M | -0.3% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $6.7M | $3.8M | +$2.9M | +75.0% |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $93.5M | $79.0M | +$14.5M | +18.4% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $3.5M | $4.3M | -$804K | -18.7% |
| Total liabilities | $685.3M | $670.3M | +$15.0M | +2.2% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $10K | $10K | $0K | 0.0% |
| Surplus | $0K | $0K | $0K | n/a |
| Retained earnings | $73.9M | $73.2M | +$716K | +1.0% |
| Accumulated other comprehensive income | -$14.4M | -$14.6M | +$127K | +0.9% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $59.4M | $58.6M | +$843K | +1.4% |
| Credit and capital | ||||
| Gross nonperforming assets | $9.3M | $10.4M | -$1.1M | -10.8% |
| Adjusted nonperforming assets | $9.3M | $10.4M | -$1.1M | -10.8% |
| Tangible equity plus allowance | $65.4M | $66.0M | -$592K | -0.9% |
| Texas ratio (gross) | 14.15% | 15.72% | -1.57 pts | See points |
| Texas ratio (adjusted) | 14.15% | 15.72% | -1.57 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 14.15% | 15.72% | -1.57 pts | See points |
| Tier 1 capital to risk-weighted assets | 13.63% | 13.75% | -0.12 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 13.63% | 13.75% | -0.12 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.22% | 1.25% | -0.04 pts | See points |
| Total risk-based capital to risk-weighted assets | 14.84% | 15.00% | -0.16 pts | See points |
| Tier 1 leverage (approximate) | 9.65% | 9.55% | +0.10 pts | See points |
| Construction and land loans to total capital | 44.40% | 59.94% | -15.53 pts | See points |
| Commercial real estate to total capital | 186.05% | 185.83% | +0.23 pts | See points |
| Dividend payout, year to date | 21.38% | 29.86% | -8.48 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -26.78% | -27.29% | +0.51 pts | See points |
| Liquidity | ||||
| Core deposits | $484.3M | $481.5M | +$2.9M | +0.6% |
| Non-core funding | $197.5M | $184.5M | +$12.9M | +7.0% |
| Loans to core deposits | 107.05% | 107.52% | -0.47 pts | See points |
| Loans to deposits | 89.15% | 88.77% | +0.38 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 26.76% | 27.36% | -0.60 pts | See points |
| Loans pledged, share of loans | 28.59% | 29.42% | -0.83 pts | See points |
| Volatile liabilities | $197.5M | $184.5M | +$12.9M | +7.0% |
| Earnings | ||||
| Earnings before provision, year to date | $766K | $565K | +$201K | +35.6% |
| Earnings before provision, single quarter | $201K | $565K | -$364K | -64.4% |
| Provision for credit losses, year to date | $203K | $78K | +$125K | +160.3% |
| Yield and cost | ||||
| Yield on loans and leases | 5.21% | 5.19% | +0.02 pts | See points |
| Yield on interest-bearing balances due from banks | 3.06% | 3.22% | -0.16 pts | See points |
| Total interest income to average assets | 4.39% | 4.40% | -0.01 pts | See points |
| Cost of interest-bearing transaction accounts | 0.93% | 0.67% | +0.25 pts | See points |
| Cost of savings and money market deposits | 0.72% | 0.60% | +0.11 pts | See points |
| Cost of time deposits | 3.32% | 3.29% | +0.02 pts | See points |
| Total interest expense to average assets | 1.72% | 1.65% | +0.07 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 | $742M | $602M | $523M | 0.29% | 3.75% | 3.02% |
| 2026-06-30 | $745M | $582M | $512M | 0.35% | 4.43% | 2.98% |
| 2026-03-31 | $729M | $583M | $510M | 0.24% | 3.01% | 3.03% |
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 |
|---|---|---|---|---|
| MA | $591.2M | 0.10% | 74 | Continuing · -0.01 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.