Clinton Savings Bank
Clinton, Massachusetts · FDIC Cert #90181
Clinton Savings Bank is an FDIC-insured bank (Certificate #90181) with $745M in total assets and $592M in total deposits as of the Q2 2024 Call Report. Headquartered in Clinton, Massachusetts, the bank maintains a Tier 1 capital ratio of 14.89% (Well-Capitalized) and a nonperforming loan ratio of 2.27%. BankHealthData assigns a composite Health Grade of B (69/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Clinton Savings Bank (FDIC cert 90181) is a community bank — $745M in total assets, $592M in deposits, serving the Clinton, Massachusetts 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 14.89% 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 is elevated: non-performing loan ratio of 2.27% runs above 2%, suggesting the loan book carries more credit risk than peer banks. Elevated NPL can reflect specific portfolio concentrations or broader credit-cycle pressure. Liquidity is in the normal range: 22.4% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is negative: ROA of -0.33% means the bank lost money during the reporting period. Sustained negative ROA erodes capital and triggers escalating regulatory attention. 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 Savings Bank carries a composite BankHealth grade of B (69/100) 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 Savings Bank
- Total Assets
- $745M
- Total Deposits
- $592M
- Tier 1 Capital Ratio
- 14.89%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 2.27%
- Liquidity Ratio
- 22.41%
- Return on Assets
- -0.33%
- Headquarters
- Clinton, Massachusetts
- FDIC Certificate
- #90181
- Health Grade
- B (69/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Clinton Savings Bank holds a Tier 1 capital ratio of 14.89%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Clinton Savings Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Clinton Savings Bank shows strong financial health indicators. With $745M in assets and a Health Score of 69/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
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 Savings Bank Compares
Clinton Savings Bank’s Health Score of 69 is 1 points above the Massachusetts state average of 68 across 97 FDIC-insured banks. Its 14.89% Tier 1 capital ratio is 0.9 points above the US banking industry average near 14%. The 2.27% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of -0.33% is below the national ROA benchmark of ~1.1%. Among 1210 similarly-sized banks, the average Health Score is 70, meaning this bank ranks below its size cohort. Site-wide, Clinton Savings Bank is 1 points below the portfolio average of 70.
Frequently Asked Questions
Clinton Savings Bank has a Bank Health Score of B (69/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 14.89%, 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 Savings Bank's Tier 1 capital ratio of 14.89% and nonperforming loan ratio of 2.27% indicate a low 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 Savings Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #90181). 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 Savings Bank holds $745M in total assets and $592M in total deposits. It is headquartered in Clinton, Massachusetts (FDIC Certificate #90181).
Clinton Savings Bank has a Tier 1 capital ratio of 14.89%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 2.27%, and the return on assets is -0.33%.
Yes. Clinton Savings Bank is FDIC-insured (Certificate #90181). 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 B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Clinton Savings Bank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.