BlastPoint's Banking Scorecard
The Clinton National Bank
Micro
Specialty: Agricultural
IA
FDIC cert 4439
Designations: ✓ Community bank
Clinton, IA
2498
banks in Micro tier nationally
167 in IA
View Micro leaderboard (IA) →
The Clinton National Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.17% below tier
- - Delinquency Rate 2.19% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$408.2M
-2.6% YoY
-2.1% QoQ
|
+$190.7M |
$217.5M
+2.3% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
Top 11% in tier |
| Total Loans ? |
$231.5M
+2.5% YoY
+0.8% QoQ
|
+$92.3M |
$139.2M
+2.8% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
82% |
| Total Deposits ? |
$349.6M
-2.9% YoY
-2.6% QoQ
|
+$165.9M |
$183.7M
+1.8% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
Top 10% in tier |
| Return on Assets ? |
0.60%
+36.7% YoY
+5.4% QoQ
|
-0.48% |
1.08%
+14.7% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
23% |
| Net Interest Margin ? |
2.68%
+8.2% YoY
+1.8% QoQ
|
-1.17% |
3.85%
+6.6% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 8% in tier |
| Efficiency Ratio ? |
80.44%
-4.1% YoY
-0.9% QoQ
|
+12.72% |
67.73%
-4.8% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
20% |
| Delinquency Rate ? |
2.83%
+353.7% YoY
+417.6% QoQ
|
+2.19% |
0.64%
+24.4% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
Bottom 8% in tier |
| Loan-to-Deposit Ratio ? |
66.21%
+5.6% YoY
+3.5% QoQ
|
-8.31% |
74.53%
+0.5% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
33% |
| Non-Interest-Bearing Deposit Share ? |
17.45%
+1.1% YoY
+8.6% QoQ
|
-4.95% |
22.39%
-1.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
31% |
| Nonperforming Asset Ratio ? |
1.60%
+377.3% YoY
+432.6% QoQ
|
+1.15% |
0.45%
+25.1% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
Bottom 10% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.65%
+16.1% YoY
+37.2% QoQ
|
+0.08% |
0.56%
+0.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
80% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Net Interest Margin
metric
Bottom 8%
in Micro
Why this stands out
Current:
2.68%
(Tier avg: 3.85%, National avg: 3.75%)
Delinquency Rate
metric
Bottom 8%
in Micro
Why this stands out
Current:
2.83%
(Tier avg: 0.64%, National avg: 0.66%)
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
90
90th pctile
Total Deposits
Current: $349.6M · Tier avg: $183.7M
89
89th pctile
Total Assets
Current: $408.2M · Tier avg: $217.5M
82
82th pctile
Total Loans
Current: $231.5M · Tier avg: $139.2M
80
80th pctile
Non-Interest Income / Assets
Current: 0.65% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
33
33th pctile
Loan-to-Deposit Ratio
Current: 66.21% · Tier avg: 74.53%
31
31th pctile
Non-Interest-Bearing Deposit Share
Current: 17.45% · Tier avg: 22.39%
23
23th pctile
Return on Assets
Current: 0.60% · Tier avg: 1.08%
20
20th pctile
Efficiency Ratio
Current: 80.44% · Tier avg: 67.73%
10
10th pctile
Nonperforming Asset Ratio
Current: 1.60% · Tier avg: 0.45%
8
8th pctile
Net Interest Margin
Current: 2.68% · Tier avg: 3.85%
8
8th pctile
Delinquency Rate
Current: 2.83% · Tier avg: 0.64%
Top Weaknesses
8
8th pctile
Delinquency Rate
Current: 2.83% · Tier avg: 0.64%
8
8th pctile
Net Interest Margin
Current: 2.68% · Tier avg: 3.85%
10
10th pctile
Nonperforming Asset Ratio
Current: 1.60% · Tier avg: 0.45%
20
20th pctile
Efficiency Ratio
Current: 80.44% · Tier avg: 67.73%
23
23th pctile
Return on Assets
Current: 0.60% · Tier avg: 1.08%
31
31th pctile
Non-Interest-Bearing Deposit Share
Current: 17.45% · Tier avg: 22.39%
33
33th pctile
Loan-to-Deposit Ratio
Current: 66.21% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
80
80th pctile
Non-Interest Income / Assets
Current: 0.65% · Tier avg: 0.56%
82
82th pctile
Total Loans
Current: $231.5M · Tier avg: $139.2M
89
89th pctile
Total Assets
Current: $408.2M · Tier avg: $217.5M
90
90th pctile
Total Deposits
Current: $349.6M · Tier avg: $183.7M