BlastPoint's Banking Scorecard
Clinton Bank
Designations: ✓ Community bank
Clinton, KY
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 536 banks in the under $100M peer group nationwide — 1 of 15 in KY.
- Deposits -1.9% year over year ($59.2M on the books).
- Delinquency rate 1.79%.
- Return on assets 0.73%.
- Efficiency ratio 70.80% vs a 119.40% peer average.
- Loan-to-deposit ratio 86.94% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Clinton Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.46% above tier average
- + Efficiency Ratio 48.59% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.27% below tier average
- - Delinquency Rate 0.31% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$70.4M
-1.4% YoY
-1.5% QoQ
|
+$8.0M |
$62.4M
-0.0% YoY
|
$707.7M
+4.5% YoY
|
$6.3B
+7.7% YoY
|
57% |
| Total Loans ? |
$51.4M
+18.4% YoY
+2.1% QoQ
|
+$16.6M |
$34.9M
-0.6% YoY
|
$500.8M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
78% |
| Total Deposits ? |
$59.2M
-1.9% YoY
-1.5% QoQ
|
+$7.5M |
$51.6M
-0.2% YoY
|
$593.9M
+4.1% YoY
|
$4.9B
+7.3% YoY
|
57% |
| Return on Assets ? |
0.73%
+40.4% YoY
+12.3% QoQ
|
-0.27% |
1.00%
+3.5% YoY
|
1.28%
+12.5% YoY
|
1.30%
+12.1% YoY
|
38% |
| Net Interest Margin ? |
4.37%
+27.0% YoY
-0.9% QoQ
|
+0.46% |
3.91%
+2.3% YoY
|
3.93%
+6.2% YoY
|
3.95%
+4.9% YoY
|
70% |
| Efficiency Ratio ? |
70.80%
-9.6% YoY
-0.8% QoQ
|
-48.59% |
119.40%
+49.6% YoY
|
64.24%
-3.9% YoY
|
70.05%
+2.5% YoY
|
50% |
| Delinquency Rate ? |
1.79%
-13.8% QoQ
|
+0.31% |
1.48%
+31.8% YoY
|
0.91%
+20.0% YoY
|
0.98%
+16.3% YoY
|
24% |
| Loan-to-Deposit Ratio ? |
86.94%
+20.7% YoY
+3.7% QoQ
|
+12.73% |
74.21%
+12.6% YoY
|
81.25%
+1.1% YoY
|
79.03%
+2.3% YoY
|
20% |
| Non-Interest-Bearing Deposit Share ? |
28.81%
+11.3% YoY
-2.7% QoQ
|
+5.32% |
23.49%
+0.6% YoY
|
23.27%
-2.3% YoY
|
21.98%
-0.6% YoY
|
71% |
| Nonperforming Asset Ratio ? |
1.31%
-10.6% QoQ
|
+0.47% |
0.84%
+23.0% YoY
|
0.64%
+23.9% YoY
|
0.69%
+15.8% YoY
|
19% |
| Tier 1 Capital Ratio ? |
21.81%
-12.0% YoY
-3.6% QoQ
|
-5.31% |
27.13%
+3.0% YoY
|
16.76%
+11.6% YoY
|
17.09%
+0.8% YoY
|
74% |
| Non-Interest Income / Assets ? |
0.16%
+11.2% YoY
+108.5% QoQ
|
-1.22% |
1.38%
+6.3% YoY
|
0.31%
+0.1% YoY
|
0.66%
+5.2% YoY
|
61% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
28.8%
+2.9pp YoY -0.8pp QoQ |
+4.2pp | 24.6% | 23.5% | 22.2% | 70% |
| Brokered Deposits |
0.8%
-6.2pp YoY 0.0pp QoQ |
-8.9pp | 9.8% | 5.4% | 8.5% | 16% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
7.9%
-1.3pp YoY -0.8pp QoQ |
-5.5pp | 13.4% | 8.6% | 12.5% | 38% |
| CRE | n/a | n/a | 25.2% | 37.1% | 41.4% | n/a |
| 1-4 Family |
28.4%
+1.2pp YoY +0.4pp QoQ |
-6.6pp | 35.0% | 41.6% | 31.3% | 47% |
| Consumer |
4.9%
-0.2pp YoY -0.4pp QoQ |
-2.8pp | 7.7% | 4.8% | 5.0% | 49% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
21.8%
-3.0pp YoY -0.8pp QoQ |
-16.9pp | 38.7% | 20.2% | 19.7% | 54% |
| Leverage Ratio |
16.8%
-0.5pp YoY -0.4pp QoQ |
-0.9pp | 17.7% | 14.0% | 12.6% | 78% |
| Total Capital Ratio |
23.0%
-2.9pp YoY -0.8pp QoQ |
-16.7pp | 39.7% | 21.3% | 20.8% | 54% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
14
+1 (+7.7%) YoY 0 QoQ |
+2 | 12 | 105 | 482 | 67% |
| Assets per Employee ($) |
$5.0M
-8.4% YoY -1.5% QoQ |
-$1.2M | $6.2M | $6.3M | $8.8M | 35% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 8 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
1.0%
+1.0pp YoY -0.3pp QoQ |
+0.1pp | 1.0% | 0.3% | 0.4% | 76% |
| Nonaccrual |
0.7%
0.0pp QoQ |
-1.0pp | 1.7% | 0.8% | 1.0% | 50% |
| Allowance Coverage |
0.71x
-94.5% YoY +21.8% QoQ |
-5.70x | 6.41x | 7.45x | 20.23x | 33% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY |
-0.1pp | 0.2% | 0.1% | 0.2% | 57% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
4.8%
+1.4pp YoY +0.5pp QoQ |
-1.6pp | 6.4% | 13.3% | 11.6% | 31% |
| Cost of Funds (YTD) |
1.5%
-0.3pp YoY 0.0pp QoQ |
+0.1pp | 1.4% | 1.7% | 1.7% | 58% |
| Net Income ($, YTD) |
$261,000
+43.4% YoY — QoQ |
-$57K | $317,817 | $5.1M | $40.4M | 46% |
Get Full Access to Clinton Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.