The Clinton National Bank is a national bank headquartered in Clinton, Iowa, in business for about 161 years. At the end of Q2 2026 it reported $396.4M in total assets and $340.7M in deposits, with 9 offices.
Based on its Q2 2026 filing, The Clinton National Bank scores 79/100, which we describe as strong. That is higher than 75% of 2,650 banks with $100 million – $1 billion. Among 226 banks headquartered in Iowa, it ranks 63rd. Its strongest component is problem-loan coverage (95/100; 2.6%), and its lowest is earnings (51/100; 0.77%).
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 rose 6 points (73 → 79), mostly because the earnings component improved by 10 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 43 |
| Q3 2024 | 73 |
| Q4 2024 | 72 |
| Q1 2025 | 73 |
| Q2 2025 | 73 |
| Q3 2025 | 76 |
| Q4 2025 | 55 |
| Q1 2026 | 78 |
| Q2 2026 | 79 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.04% |
| Q3 2024 | 12.87% |
| Q4 2024 | 12.35% |
| Q1 2025 | 12.67% |
| Q2 2025 | 12.60% |
| Q3 2025 | 13.16% |
| Q4 2025 | 13.24% |
| Q1 2026 | 13.34% |
| Q2 2026 | 13.44% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 5.18% |
| Q3 2024 | 0.70% |
| Q4 2024 | 0.61% |
| Q1 2025 | 0.60% |
| Q2 2025 | 0.73% |
| Q3 2025 | 0.54% |
| Q4 2025 | 2.79% |
| Q1 2026 | 0.51% |
| Q2 2026 | 0.53% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.08% |
| Q3 2024 | 0.46% |
| Q4 2024 | 0.44% |
| Q1 2025 | 0.40% |
| Q2 2025 | 0.53% |
| Q3 2025 | 0.57% |
| Q4 2025 | 0.60% |
| Q1 2026 | 0.69% |
| Q2 2026 | 0.77% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 79 | $396.4M | 13.44% | 0.53% | 0.77% | 67.5% |
| Q1 2026 | 78 | $431.9M | 13.34% | 0.51% | 0.69% | 61.9% |
| Q4 2025 | 55 | $408.2M | 13.24% | 2.79% | 0.60% | 66.2% |
| Q3 2025 | 76 | $416.7M | 13.16% | 0.54% | 0.57% | 64.0% |
| Q2 2025 | 73 | $400.1M | 12.60% | 0.73% | 0.53% | 64.9% |
| Q1 2025 | 73 | $429.8M | 12.67% | 0.60% | 0.40% | 59.3% |
| Q4 2024 | 72 | $419.1M | 12.35% | 0.61% | 0.44% | 62.7% |
| Q3 2024 | 73 | $411.1M | 12.87% | 0.70% | 0.46% | 63.4% |
| Q2 2024 | 43 | $398.3M | 12.04% | 5.18% | 0.08% | 61.5% |
2,650 peers · $100 million – $1 billion
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 Iowa
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Iowa State BankBank Albia, IA | 60 out of 100, Moderate | $396.1M | 10.2% | 2.12% | vs |
| Iowa State BankBank Clarksville, IA | 61 out of 100, Moderate | $392.9M | 11.0% | 2.66% | vs |
| Hardin County Savings BankBank Eldora, IA | 62 out of 100, Moderate | $402.3M | 9.8% | 1.25% | vs |
| First State BankBank Lynnville, IA | 75 out of 100, Strong | $384.2M | 9.8% | 0.21% | vs |
| The Libertyville Savings BankBank Fairfield, IA | 73 out of 100, Strong | $384.1M | 11.0% | 0.90% | vs |
| Earlham Savings BankBank West Des Moines, IA | 66 out of 100, Moderate | $382.5M | 9.5% | 0.91% | vs |
Deposit insurance
Is my money safe at The Clinton National Bank?
Yes. The Clinton National Bank is an FDIC-insured institution (FDIC certificate #4439). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 19.5% of deposits ($66.4M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 13.44%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
9 locations
Branches
The Clinton National Bank lists 8 offices in 6 cities. Most locations:
- Clinton, IA (3)
- Andover, IA (1)
- Camanche, IA (1)
- Miles, IA (1)
- Preston, IA (1)
- Sabula, IA (1)
Identity & history
Profile
- Legal name
- The Clinton National Bank
- Type
- National bank
- FDIC certificate #
- 4439
- RSSD ID
- 773443
- Primary regulator
- OCC
- Holding company
- W J Young&co
- Established
- May 1, 1865
- Headquarters
- 235 6th Ave S, Clinton, IA 52732
- Website
- www.clintonnational.com
- Employees
- 86
Quick answers
The Clinton National Bank: common questions
Is The Clinton National Bank FDIC insured?
Yes. The Clinton National Bank is an FDIC-insured institution (FDIC certificate #4439). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Clinton National Bank's TellerScore?
79 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The Clinton National Bank ever failed?
There is no failure record for FDIC certificate #4439 in the FDIC failed bank list.
How many branches does The Clinton National Bank have?
9 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Clinton
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Farmers National BankBank Prophetstown, IL | 88 out of 100, Very strong | $895.7M | 15.0% | 0.23% | vs |
| Maquoketa State BankBank Maquoketa, IA | 86 out of 100, Very strong | $429.0M | 16.4% | 0.52% | vs |
| First Central State BankBank Dewitt, IA | 83 out of 100, Strong | $772.4M | 13.4% | 0.21% | vs |
| Exchange State BankBank Lanark, IL | 83 out of 100, Strong | $112.7M | 11.5% | 0.05% | vs |
| 1st Gateway Credit UnionCredit union Camanche, IA | 80 out of 100, Strong | $170.9M | 14.1% | 0.35% | vs |
| Blackhawk Area Credit UnionCredit union Savanna, IL | 79 out of 100, Strong | $39.1M | 13.4% | 0.13% | vs |