Clinton Bank: how it compares with its peers
Against 19 KY banks with half to twice its assets, Clinton Bank's strongest measure in Q2 2026 is net interest margin (4.37% vs. a 4.12% peer median). Its weakest relative measure is return on assets (0.73% vs. 0.87%).
| Measure | Clinton Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.73% | 0.87% | Middle third Ahead of 42% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.37% | 4.12% | Top third Ahead of 79% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 70.80% | 73.18% | Middle third Ahead of 63% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.0M | $4.7M | Middle third Ahead of 58% of peers |
| Loans to deposits Net loans and leases over total deposits. | 86.94% | 79.35% | Context |
What it means for lending operations
Its efficiency ratio of 70.80% is better than the 73.18% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Farmers State Bank Booneville, KY · $69M
- Security Bank and Trust Co. Maysville, KY · $72M
- Farmers & Traders Bank of Campton Campton, KY · $67M
- The First National Bank of Brooksville Brooksville, KY · $74M
- First Federal Savings and Loan Association Hazard, KY · $81M
- Blue Grass Federal Savings and Loan Association Paris, KY · $59M
Questions about Clinton Bank
How big is Clinton Bank?
Clinton Bank, established in 1887, is headquartered in Clinton, KY. It reported $70M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Clinton Bank's return on assets?
0.73% annualized in Q2 2026, against a 0.87% median for 19 KY banks with half to twice its assets, ahead of 42% of them.
What is Clinton Bank's efficiency ratio?
70.80% in Q2 2026: it spent about 71 cents in noninterest expense for each dollar of revenue. The peer median is 73.18%, and lower is better.
Is Clinton Bank growing its loans?
Net loans grew 18.4% over the year to Q2 2026, while deposits shrank 1.9%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are KY banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Kentucky bank ranked.