Clinton Savings Bank: how it compares with its peers
Against 40 MA banks with half to twice its assets, Clinton Savings Bank's strongest measure in Q2 2026 is net interest margin (2.98% vs. a 3.13% peer median). Its weakest relative measure is efficiency ratio (93.16% vs. 76.73%).
| Measure | Clinton Savings Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.35% | 0.56% | Bottom third Ahead of 23% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.98% | 3.13% | Middle third Ahead of 43% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 93.16% | 76.73% | Bottom third Ahead of 18% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.8M | $8.7M | Bottom third Ahead of 28% of peers |
| Loans to deposits Net loans and leases over total deposits. | 88.09% | 93.39% | Context |
What it means for lending operations
Its efficiency ratio of 93.16% is above the 76.73% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Eagle Bank Everett, MA · $709M
- The Bank of Canton Canton, MA · $783M
- Savers Co-operative Bank Southbridge, MA · $783M
- Monson Savings Bank Monson, MA · $806M
- Rollstone Bank & Trust Fitchburg, MA · $816M
- Middlesex Federal Savings, F.A. Somerville, MA · $654M
Questions about Clinton Savings Bank
How big is Clinton Savings Bank?
Clinton Savings Bank, established in 1851, is headquartered in Clinton, MA. It reported $745M in total assets in its Q2 2026 FDIC call report and operates 9 offices.
What is Clinton Savings Bank's return on assets?
0.35% annualized in Q2 2026, against a 0.56% median for 40 MA banks with half to twice its assets, ahead of 23% of them.
What is Clinton Savings Bank's efficiency ratio?
93.16% in Q2 2026: it spent about 93 cents in noninterest expense for each dollar of revenue. The peer median is 76.73%, and lower is better.
Is Clinton Savings Bank growing its loans?
Net loans shrank 2.3% over the year to Q2 2026, while deposits shrank 1.6%.
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 MA 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 Massachusetts bank ranked.