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The Clinton National Bank

$100M-$1B Specialty: Agricultural IA FDIC cert 4439

Clinton, IA

9 branches across IA

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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 167 in IA.
  • Deposits -1.4% year over year ($340.7M on the books).
  • Delinquency rate 0.54%.
  • Return on assets 0.77%.
  • Efficiency ratio 76.93% vs a 64.48% peer average.
  • Loan-to-deposit ratio 67.49% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 167 in IA
View $100M-$1B leaderboard (IA) →

The Clinton National Bank has 1 strength but faces 4 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

  • + Delinquency Rate 0.38% below tier average

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 12.7% in tier
  • - Net Interest Margin 1.09% below tier average
  • - ROA 0.56% below tier average
  • - Efficiency Ratio 12.45% above tier average
Get updates when The Clinton National Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Total Assets ? $396.4M
-0.9% YoY -8.2% QoQ
+$9.8M $386.6M
+1.2% YoY
$566.2M
+5.8% YoY
$6.3B
+7.7% YoY
61%
Total Loans ? $230.0M
+2.4% YoY -1.1% QoQ
-$28.4M $258.3M
+1.7% YoY
$385.0M
+5.4% YoY
$3.2B
+9.4% YoY
54%
Total Deposits ? $340.7M
-1.4% YoY -9.3% QoQ
+$14.0M $326.7M
+0.7% YoY
$472.4M
+6.3% YoY
$4.9B
+7.3% YoY
62%
Return on Assets ? 0.77%
+45.5% YoY +10.7% QoQ
-0.56% 1.32%
+10.8% YoY
1.58%
+39.1% YoY
1.30%
+12.1% YoY
22%
Net Interest Margin ? 2.90%
+12.3% YoY +4.1% QoQ
-1.09% 3.99%
+5.0% YoY
3.58%
+9.0% YoY
3.95%
+4.9% YoY
Bottom 7.6% in tier
Efficiency Ratio ? 76.93%
-6.5% YoY -2.2% QoQ
+12.45% 64.48%
-3.2% YoY
57.74%
-6.0% YoY
70.05%
+2.5% YoY
18%
Delinquency Rate ? 0.54%
-27.6% YoY +4.4% QoQ
-0.38% 0.92%
+15.7% YoY
0.99%
+12.8% YoY
0.98%
+16.3% YoY
45%
Loan-to-Deposit Ratio ? 67.49%
+3.9% YoY +9.1% QoQ
-10.46% 77.95%
+1.0% YoY
80.39%
+2.7% YoY
79.03%
+2.3% YoY
73%
Non-Interest-Bearing Deposit Share ? 17.82%
-0.4% YoY +7.6% QoQ
-4.21% 22.03%
-0.6% YoY
17.72%
+0.8% YoY
21.98%
-0.6% YoY
35%
Nonperforming Asset Ratio ? 0.31%
-25.1% YoY +12.5% QoQ
-0.36% 0.67%
+16.4% YoY
0.63%
+7.9% YoY
0.69%
+15.8% YoY
51%
Tier 1 Capital Ratio ? 13.44%
+6.6% YoY +0.7% QoQ
-2.47% 15.91%
+1.4% YoY
14.69%
+3.0% YoY
17.09%
+0.8% YoY
52%
Non-Interest Income / Assets ? 0.34%
+4.4% YoY +122.6% QoQ
-0.23% 0.57%
+7.6% YoY
0.24%
+5.5% YoY
0.66%
+5.2% YoY
78%

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 (IA) National Avg Tier Percentile
Noninterest-Bearing 17.8%
-0.1pp YoY
+1.3pp QoQ
 -4.3pp 22.1% 17.8% 22.2% 35%
Brokered Deposits n/a n/a 7.9% 6.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
C&I 16.9%
-1.5pp YoY
-1.5pp QoQ
 +5.3pp 11.6% 12.8% 12.5% 82%
CRE 35.8%
+0.7pp YoY
+0.1pp QoQ
 -3.7pp 39.5% 28.3% 41.4% 44%
1-4 Family 18.7%
-0.3pp YoY
+0.6pp QoQ
 -13.9pp 32.6% 23.0% 31.3% 27%
Consumer 2.1%
-0.2pp YoY
0.0pp QoQ
 -2.0pp 4.1% 2.9% 5.0% 49%

Capital

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 15.4% 19.7% n/a
Leverage Ratio 13.4%
+0.8pp YoY
+0.1pp QoQ
 +1.3pp 12.2% 12.4% 12.6% 78%
Total Capital Ratio n/a n/a 19.9% 16.5% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Full-Time Employees 86
-2 (-2.3%) YoY
0 QoQ
 +27 58 64 482 81%
Assets per Employee ($) $4.6M
+1.4% YoY
-8.2% QoQ
 -$2.9M $7.5M $8.9M $8.8M 9%
Branch Count 9
+1 (+12.5%) YoY
+1 (+12.5%) QoQ
 +4 4 5 18 86%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.4% 0.4% 37%
Nonaccrual 0.5%
-0.2pp YoY
0.0pp QoQ
 -0.4pp 0.9% 1.0% 1.0% 52%
Allowance Coverage 2.60x
+35.8% YoY
-2.9% QoQ
 -21.56x 24.15x 18.97x 20.23x 55%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.1% 0.2% 16%

Profitability

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
ROE 7.2%
+1.2pp YoY
+0.5pp QoQ
 -5.0pp 12.2% 12.8% 11.6% 22%
Cost of Funds (YTD) 1.2%
-0.3pp YoY
0.0pp QoQ
 -0.5pp 1.7% 1.8% 1.7% 20%
Net Income ($, YTD) $1.6M
+44.0% YoY
— QoQ
 -$974K $2.6M $4.0M $40.4M 44%

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 (1)

Flatlined Growth

risk
#68 of 529 • Bottom 12.7% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.77%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ | QoQ rank improving

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

593
Non-Interest Income / Assets
revenue_mix
Value: 0.34%
Peer Median: 0.57%
#593 of 2643 Top 22.4% in $100M-$1B

Top Weaknesses (3 metrics)

2443
Net Interest Margin
profitability
Value: 2.90%
Peer Median: 3.99%
#2443 of 2643 Bottom 7.6% in $100M-$1B
2181
Efficiency Ratio
profitability
Value: 76.93%
Peer Median: 64.48%
#2181 of 2643 Bottom 17.5% in $100M-$1B
2074
Return on Assets
profitability
Value: 0.77%
Peer Median: 1.32%
#2074 of 2643 Bottom 21.6% in $100M-$1B
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