BlastPoint's Banking Scorecard
Clinton Bank
Micro
Specialty: Agricultural
KY
FDIC cert 304
Designations: ✓ Community bank
Clinton, KY
2498
banks in Micro tier nationally
83 in KY
View Micro leaderboard (KY) →
Clinton Bank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 14.12% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$72.2M
+4.7% YoY
+3.7% QoQ
|
-$145.3M |
$217.5M
+2.3% YoY
|
$697.6M
+5.6% YoY
|
$5.9B
+6.5% YoY
|
Bottom 13% in tier |
| Total Loans ? |
$50.0M
+20.4% YoY
+8.5% QoQ
|
-$89.2M |
$139.2M
+2.8% YoY
|
$490.0M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
20% |
| Total Deposits ? |
$60.6M
+4.4% YoY
+4.4% QoQ
|
-$123.1M |
$183.7M
+1.8% YoY
|
$584.3M
+5.1% YoY
|
$4.7B
+6.3% YoY
|
Bottom 14% in tier |
| Return on Assets ? |
0.56%
-9.7% YoY
+0.3% QoQ
|
-0.52% |
1.08%
+14.7% YoY
|
1.21%
+22.9% YoY
|
1.12%
+15.6% YoY
|
21% |
| Net Interest Margin ? |
3.69%
+12.8% YoY
+1.9% QoQ
|
-0.17% |
3.85%
+6.6% YoY
|
3.81%
+9.2% YoY
|
3.75%
+7.1% YoY
|
44% |
| Efficiency Ratio ? |
78.89%
+3.6% YoY
+0.2% QoQ
|
+11.16% |
67.73%
-4.8% YoY
|
64.38%
-7.4% YoY
|
65.09%
-5.1% YoY
|
22% |
| Delinquency Rate ? |
1.43%
+44.8% QoQ
|
+0.79% |
0.64%
+24.4% YoY
|
0.52%
-3.4% YoY
|
0.66%
+20.3% YoY
|
20% |
| Loan-to-Deposit Ratio ? |
82.61%
+15.4% YoY
+3.9% QoQ
|
+8.08% |
74.53%
+0.5% YoY
|
81.81%
+1.4% YoY
|
78.04%
+0.7% YoY
|
63% |
| Non-Interest-Bearing Deposit Share ? |
22.23%
-15.8% YoY
-9.5% QoQ
|
-0.17% |
22.39%
-1.3% YoY
|
23.17%
-1.4% YoY
|
21.79%
-1.3% YoY
|
52% |
| Nonperforming Asset Ratio ? |
0.99%
+51.6% QoQ
|
+0.54% |
0.45%
+25.1% YoY
|
0.32%
-14.7% YoY
|
0.48%
+20.8% YoY
|
20% |
| Tier 1 Capital Ratio ? |
22.97%
-11.7% YoY
-5.2% QoQ
|
+14.12% |
8.85%
-3.4% YoY
|
9.91%
+1.4% YoY
|
9.75%
-1.9% YoY
|
Top 9% in tier |
| Non-Interest Income / Assets ? |
0.29%
+0.8% YoY
+28.4% QoQ
|
-0.27% |
0.56%
+0.3% YoY
|
0.66%
+0.7% YoY
|
0.65%
+0.6% YoY
|
39% |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 9%
in Micro
Why this stands out
Current:
22.97%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
91
91th pctile
Tier 1 Capital Ratio
Current: 22.97% · Tier avg: 8.85%
63
63th pctile
Loan-to-Deposit Ratio
Current: 82.61% · Tier avg: 74.53%
52
52th pctile
Non-Interest-Bearing Deposit Share
Current: 22.23% · Tier avg: 22.39%
44
44th pctile
Net Interest Margin
Current: 3.69% · Tier avg: 3.85%
39
39th pctile
Non-Interest Income / Assets
Current: 0.29% · Tier avg: 0.56%
22
22th pctile
Efficiency Ratio
Current: 78.89% · Tier avg: 67.73%
21
21th pctile
Return on Assets
Current: 0.56% · Tier avg: 1.08%
20
20th pctile
Total Loans
Current: $50.0M · Tier avg: $139.2M
20
20th pctile
Delinquency Rate
Current: 1.43% · Tier avg: 0.64%
20
20th pctile
Nonperforming Asset Ratio
Current: 0.99% · Tier avg: 0.45%
14
14th pctile
Total Deposits
Current: $60.6M · Tier avg: $183.7M
13
13th pctile
Total Assets
Current: $72.2M · Tier avg: $217.5M
Top Weaknesses
13
13th pctile
Total Assets
Current: $72.2M · Tier avg: $217.5M
14
14th pctile
Total Deposits
Current: $60.6M · Tier avg: $183.7M
20
20th pctile
Nonperforming Asset Ratio
Current: 0.99% · Tier avg: 0.45%
20
20th pctile
Delinquency Rate
Current: 1.43% · Tier avg: 0.64%
20
20th pctile
Total Loans
Current: $50.0M · Tier avg: $139.2M
21
21th pctile
Return on Assets
Current: 0.56% · Tier avg: 1.08%
22
22th pctile
Efficiency Ratio
Current: 78.89% · Tier avg: 67.73%
39
39th pctile
Non-Interest Income / Assets
Current: 0.29% · Tier avg: 0.56%
44
44th pctile
Net Interest Margin
Current: 3.69% · Tier avg: 3.85%
52
52th pctile
Non-Interest-Bearing Deposit Share
Current: 22.23% · Tier avg: 22.39%
63
63th pctile
Loan-to-Deposit Ratio
Current: 82.61% · Tier avg: 74.53%
91
91th pctile
Tier 1 Capital Ratio
Current: 22.97% · Tier avg: 8.85%