Headquartered in Clinton, Kentucky, Clinton Bank is a state-chartered bank with $70.4M in total assets and $59.2M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1887.
Clinton Bank has a TellerScore of 69 out of 100 (moderate) based on Q2 2026 data — higher than only 37% of its 546 banks with under $100 million in assets. Among 120 banks headquartered in Kentucky, it ranks 79th. Capital cushion contributes the most (100/100, 16.82%); loan quality contributes the least (41/100, 1.77%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 15 points (84 → 69), mostly because the loan quality component weakened by 56 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 77 |
| Q3 2024 | 77 |
| Q4 2024 | 86 |
| Q1 2025 | 83 |
| Q2 2025 | 84 |
| Q3 2025 | 75 |
| Q4 2025 | 71 |
| Q1 2026 | 66 |
| Q2 2026 | 69 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 19.21% |
| Q3 2024 | 18.70% |
| Q4 2024 | 18.38% |
| Q1 2025 | 18.02% |
| Q2 2025 | 17.35% |
| Q3 2025 | 17.89% |
| Q4 2025 | 17.52% |
| Q1 2026 | 17.22% |
| Q2 2026 | 16.82% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.89% |
| Q3 2024 | 0.88% |
| Q4 2024 | 0.01% |
| Q1 2025 | 0.13% |
| Q2 2025 | 0.10% |
| Q3 2025 | 0.97% |
| Q4 2025 | 1.41% |
| Q1 2026 | 2.05% |
| Q2 2026 | 1.77% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.51% |
| Q3 2024 | 0.52% |
| Q4 2024 | 0.62% |
| Q1 2025 | 0.42% |
| Q2 2025 | 0.52% |
| Q3 2025 | 0.56% |
| Q4 2025 | 0.56% |
| Q1 2026 | 0.65% |
| Q2 2026 | 0.73% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 69 | $70.4M | 16.82% | 1.77% | 0.73% | 86.9% |
| Q1 2026 | 66 | $71.5M | 17.22% | 2.05% | 0.65% | 83.8% |
| Q4 2025 | 71 | $72.2M | 17.52% | 1.41% | 0.56% | 82.6% |
| Q3 2025 | 75 | $69.6M | 17.89% | 0.97% | 0.56% | 79.5% |
| Q2 2025 | 84 | $71.4M | 17.35% | 0.10% | 0.52% | 72.1% |
| Q1 2025 | 83 | $69.2M | 18.02% | 0.13% | 0.42% | 73.3% |
| Q4 2024 | 86 | $68.9M | 18.38% | 0.01% | 0.62% | 71.6% |
| Q3 2024 | 77 | $67.8M | 18.70% | 0.88% | 0.52% | 74.8% |
| Q2 2024 | 77 | $65.9M | 19.21% | 0.89% | 0.51% | 76.7% |
546 peers · Under $100 million in assets
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Kentucky
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Farmers State BankBank Booneville, KY | 69 out of 100, Moderate | $69.3M | 10.7% | 1.07% | vs |
| Security Bank and Trust Co.Bank Maysville, KY | 83 out of 100, Strong | $71.8M | 15.7% | 1.86% | vs |
| Farmers & Traders Bank of CamptonBank Campton, KY | 74 out of 100, Strong | $67.2M | 9.2% | 0.05% | vs |
| The First National Bank of BrooksvilleBank Brooksville, KY | 68 out of 100, Moderate | $73.7M | 11.5% | 1.15% | vs |
| First Federal Savings and Loan AssociationBank Hazard, KY | 69 out of 100, Moderate | $81.3M | 21.6% | 1.69% | vs |
| Blue Grass Federal Savings and Loan AssociationBank Paris, KY | 79 out of 100, Strong | $58.5M | 15.9% | 0.00% | vs |
Deposit insurance
Is my money safe at Clinton Bank?
Yes. Clinton Bank is an FDIC-insured institution (FDIC certificate #304). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 18.4% of deposits ($10.9M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 16.82%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 22.98% (benchmark: 10%).
1 location
Branches
Clinton Bank lists 1 office in 1 city. Most locations:
- Clinton, KY (1)
Identity & history
Profile
- Legal name
- Clinton Bank
- Type
- State-chartered bank
- FDIC certificate #
- 304
- RSSD ID
- 782548
- Primary regulator
- FDIC
- Holding company
- Clinton Bcorp Inc
- Established
- September 1, 1887
- Headquarters
- 220 E Clay St, Clinton, KY 42031
- Website
- www.clintonbankky.com
- Employees
- 14
Quick answers
Clinton Bank: common questions
Is Clinton Bank FDIC insured?
Yes. Clinton Bank is an FDIC-insured institution (FDIC certificate #304). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Clinton Bank's TellerScore?
69 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Clinton Bank ever failed?
There is no failure record for FDIC certificate #304 in the FDIC failed bank list.
How many branches does Clinton Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Clinton
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Citizens' Bank of CharlestonBank Charleston, MO | 86 out of 100, Very strong | $185.1M | 20.5% | 0.83% | vs |
| The Citizens BankBank Hickman, KY | 82 out of 100, Strong | $220.4M | 12.7% | 0.34% | vs |
| Signet Federal Credit UnionCredit union Paducah, KY | 82 out of 100, Strong | $398.2M | 16.6% | 1.07% | vs |
| Commercial Bank & Trust Co.Bank Paris, TN | 80 out of 100, Strong | $1.1B | 12.1% | 0.15% | vs |
| Security Bank and Trust CompanyBank Paris, TN | 79 out of 100, Strong | $1.7B | 10.9% | 0.02% | vs |
| Citizens Deposit Bank of Arlington, Inc.Bank Arlington, KY | 77 out of 100, Strong | $348.2M | 13.7% | 0.94% | vs |