Clinton National Bank
Clinton, Iowa · FDIC Cert #4439
This is the FDIC profile for Clinton National Bank, an FDIC-insured bank (Certificate #4439) with $398M in total assets and $348M in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in Clinton, Iowa, the bank maintains a Tier 1 capital ratio of 12.04% (Well-Capitalized) and a nonperforming loan ratio of 5.18%. BankHealthData assigns a composite Health Grade of C (54/100) based on quarterly FDIC filings. All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Clinton National Bank (FDIC cert 4439) is a community bank — $398M in total assets, $348M in deposits, serving the Clinton, Iowa area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 12.04% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality shows stress: non-performing loan ratio of 5.18% is well above the peer median and signals significant credit-quality challenges. Banks in this range typically face heightened regulatory monitoring. Liquidity is very high: 42.2% of assets in liquid form, well above peer norms. Very high liquidity sometimes reflects a bank still building out its loan portfolio or one operating under specific regulatory liquidity requirements.
Profitability is minimal: ROA of 0.08% indicates the bank is barely profitable on an assets basis. Multiple quarters of minimal profitability eventually challenge capital growth and regulatory standing. Health-score trend is declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. Clinton National Bank carries a composite BankHealth grade of C (54/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Clinton National Bank
- Total Assets
- $398M
- Total Deposits
- $348M
- Tier 1 Capital Ratio
- 12.04%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 5.18%
- Liquidity Ratio
- 42.16%
- Return on Assets
- 0.08%
- Headquarters
- Clinton, Iowa
- FDIC Certificate
- #4439
- Health Grade
- C (54/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
Clinton National Bank files quarterly Call Reports with the FDIC under Certificate #4439. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
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Capital & Safety Analysis
According to FDIC financial data, Clinton National Bank holds a Tier 1 capital ratio of 12.04%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Clinton National Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Clinton National Bank shows average financial health. While not alarming, its Health Score of 54/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Clinton National Bank Compares
Clinton National Bank’s Health Score of 54 is 25 points below the Iowa state average of 79 across 162 FDIC-insured banks. Its 12.04% Tier 1 capital ratio is 2.0 points below the US banking industry average near 14%. The 5.18% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 0.08% is below the national ROA benchmark of ~1.1%. Among 1541 similarly-sized banks, the average Health Score is 80, meaning this bank ranks below its size cohort. Site-wide, Clinton National Bank is 26 points below the portfolio average of 80.
Frequently Asked Questions
Clinton National Bank has a Bank Health Score of C (54/100), placing it in average financial health. It holds a Tier 1 capital ratio of 12.04%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Clinton National Bank's Tier 1 capital ratio of 12.04% and nonperforming loan ratio of 5.18% indicate an average risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Clinton National Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #4439). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Clinton National Bank holds $398M in total assets and $348M in total deposits. It is headquartered in Clinton, Iowa (FDIC Certificate #4439).
Clinton National Bank's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #4439 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
Clinton National Bank has a Tier 1 capital ratio of 12.04%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 5.18%, and the return on assets is 0.08%.
Yes. Clinton National Bank is FDIC-insured (Certificate #4439). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An C grade on our Bank Health Score means 55-69/100 — average across capital, loan quality, and profitability. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Clinton National Bank's metrics are around average for the industry. There's no urgent action needed for FDIC-insured deposits, but it's worth monitoring quarterly updates. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.