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The Clinton National Bank
Clinton, IA · FDIC Certificate #4439 · Chartered 05/0
Total assets
$396.42M
Total deposits
$340.73M
Total equity
$44.65M
Net loans
$229.97M
Branches (offices)
8
Net income (YTD)
$1.58M
Rank: #2,070 of 4,213 U.S. banks by assets · #81 of 225 in Iowa. Assets changed -0.9% and deposits -1.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.77% |
| Return on equity | 7.16% |
| Net interest margin (YTD) | 2.90% |
| Equity to assets | 11.26% |
| Tier 1 leverage ratio | 13.44% |
| Uninsured deposits (share of deposits) | 19.5% |
| Noncurrent loans (share of loans) | 0.53% |
| Net charge-offs (share of loans) | -0.01% |
| Loans to deposits | 67.5% |
| Real estate loans (share of loans) | 74.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $170.64M | 74.2% | |
| Commercial & industrial | $38.78M | 16.9% | |
| Consumer / individual | $4.82M | 2.1% | |
| Construction & development | $3.20M | 1.4% | |
| Agricultural | $17.81M | 7.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $420.08M | $373.79M | $849.00K | $31.78M |
| Jun 2023 | $411.27M | $365.69M | $300.00K | $28.43M |
| Jun 2024 | $398.33M | $347.70M | $162.00K | $31.14M |
| Jun 2025 | $400.13M | $345.64M | $1.10M | $39.22M |
| Jun 2026 | $396.42M | $340.73M | $1.58M | $44.65M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $340.73M | 8 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $340.73M.
Similar-sized banks
Community Bank Of Santa Maria ($396.52M) · First Secure Bank And Trust Co. ($396.24M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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