BlastPoint's Banking Scorecard
The Clinton National Bank
Clinton, IA
8 branches across IA
The Clinton National Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.37% below tier average
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 22.7% in tier
- - Net Interest Margin 1.15% below tier average
- - ROA 0.58% below tier average
- - Efficiency Ratio 13.33% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$431.9M
+0.5% YoY
+5.8% QoQ
|
+$45.8M |
$386.1M
+0.5% YoY
|
$560.1M
+4.8% YoY
|
$6.2B
+9.1% YoY
|
65% |
| Total Loans ? |
$232.4M
+4.3% YoY
+0.4% QoQ
|
-$23.3M |
$255.7M
+1.1% YoY
|
$379.9M
+5.0% YoY
|
$3.2B
+10.8% YoY
|
56% |
| Total Deposits ? |
$375.7M
-0.1% YoY
+7.5% QoQ
|
+$47.7M |
$328.0M
+0.1% YoY
|
$469.6M
+4.4% YoY
|
$4.8B
+8.2% YoY
|
67% |
| Return on Assets ? |
0.69%
+73.9% YoY
+15.3% QoQ
|
-0.58% |
1.27%
+12.9% YoY
|
1.31%
+22.6% YoY
|
1.23%
+13.4% YoY
|
20% |
| Net Interest Margin ? |
2.78%
+14.7% YoY
+3.8% QoQ
|
-1.15% |
3.93%
+6.0% YoY
|
3.52%
+10.3% YoY
|
3.89%
+5.7% YoY
|
Bottom 6.5% in tier |
| Efficiency Ratio ? |
78.62%
-8.5% YoY
-2.3% QoQ
|
+13.33% |
65.29%
-4.5% YoY
|
58.40%
-7.6% YoY
|
66.95%
-4.1% YoY
|
17% |
| Delinquency Rate ? |
0.51%
-16.0% YoY
-81.8% QoQ
|
-0.37% |
0.89%
+18.8% YoY
|
0.92%
+14.5% YoY
|
0.95%
+18.8% YoY
|
45% |
| Loan-to-Deposit Ratio ? |
61.87%
+4.3% YoY
-6.6% QoQ
|
-14.76% |
76.64%
+0.8% YoY
|
77.40%
+1.1% YoY
|
76.70%
+0.9% YoY
|
79% |
| Non-Interest-Bearing Deposit Share ? |
16.57%
+2.6% YoY
-5.0% QoQ
|
-5.45% |
22.02%
-1.0% YoY
|
17.87%
+0.7% YoY
|
22.01%
-1.2% YoY
|
30% |
| Nonperforming Asset Ratio ? |
0.28%
-12.9% YoY
-82.8% QoQ
|
-0.36% |
0.64%
+19.7% YoY
|
0.58%
+11.7% YoY
|
0.67%
+19.3% YoY
|
53% |
| Tier 1 Capital Ratio ? |
13.34%
+5.3% YoY
+0.7% QoQ
|
-2.49% |
15.83%
+1.5% YoY
|
14.34%
+1.8% YoY
|
17.06%
+0.8% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.15%
+5.0% YoY
-76.7% QoQ
|
-0.13% |
0.28%
+9.3% YoY
|
0.12%
+10.7% YoY
|
0.32%
+4.1% YoY
|
74% |
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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 (0)
Concerns (1)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.