BlastPoint's Banking Scorecard

Clinton Bank

under $100M Specialty: Agricultural KY FDIC cert 304

Designations: ✓ Community bank

Clinton, KY

541 banks in the under $100M peer group nationally 14 in KY

Clinton Bank has 2 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Net Interest Margin 0.55% above tier average
+ Efficiency Ratio 16.97% below tier average

Key Concerns

Areas that may need attention

- ROA 0.18% below tier average
- Delinquency Rate 0.71% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Total Assets ?	$71.5M +3.3% YoY -1.0% QoQ	+$9.3M	$62.2M -0.6% YoY	$702.0M +4.4% YoY	$6.2B +9.1% YoY	59%
Total Loans ?	$50.4M +18.7% YoY +0.7% QoQ	+$16.1M	$34.2M -1.4% YoY	$492.7M +5.5% YoY	$3.2B +10.8% YoY	77%
Total Deposits ?	$60.1M +3.8% YoY -0.8% QoQ	+$8.4M	$51.7M -0.7% YoY	$590.5M +4.1% YoY	$4.8B +8.2% YoY	58%
Return on Assets ?	0.65% +54.1% YoY +16.5% QoQ	-0.18%	0.84% -2.3% YoY	1.25% +16.2% YoY	1.23% +13.4% YoY	36%
Net Interest Margin ?	4.41% +29.4% YoY +19.6% QoQ	+0.55%	3.86% +2.8% YoY	3.88% +7.4% YoY	3.89% +5.7% YoY	73%
Efficiency Ratio ?	71.38% -7.8% YoY -9.5% QoQ	-16.97%	88.34% +0.3% YoY	64.22% -6.1% YoY	66.95% -4.1% YoY	50%
Delinquency Rate ?	2.08% +45.4% QoQ	+0.71%	1.37% +33.8% YoY	0.89% +17.0% YoY	0.95% +18.8% YoY	21%
Loan-to-Deposit Ratio ?	83.82% +14.3% YoY +1.5% QoQ	+19.60%	64.22% -0.7% YoY	80.71% +1.5% YoY	76.70% +0.9% YoY	22%
Non-Interest-Bearing Deposit Share ?	29.61% +21.1% YoY +33.2% QoQ	+5.89%	23.71% +0.3% YoY	23.47% -1.8% YoY	22.01% -1.2% YoY	73%
Nonperforming Asset Ratio ?	1.47% +47.9% QoQ	+0.68%	0.79% +28.2% YoY	0.61% +22.3% YoY	0.67% +19.3% YoY	16%
Tier 1 Capital Ratio ?	17.22% -33.0% YoY -25.0% QoQ	-9.46%	26.68% +2.0% YoY	14.97% -0.1% YoY	17.06% +0.8% YoY	60%
Non-Interest Income / Assets ?	0.08% +6.5% YoY -73.4% QoQ	-0.59%	0.67% +1.9% YoY	0.16% +4.4% YoY	0.32% +4.1% YoY	59%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 541 peers in under $100M

Top Strengths (1 metrics)

123

Total Loans

size

Value: $50.37M

Peer Median: $34.25M

#123 of 541 Top 22.6% in under $100M

Top Weaknesses (3 metrics)

454

Nonperforming Asset Ratio

credit_quality

Value: 1.47%

Peer Median: 0.79%

#454 of 541 Bottom 16.3% in under $100M

411

Delinquency Rate

credit_quality

Value: 2.08%

Peer Median: 1.37%

#411 of 521 Bottom 21.3% in under $100M

424

Loan-to-Deposit Ratio

liquidity

Value: 83.82%

Peer Median: 64.22%

#424 of 541 Bottom 21.8% in under $100M