🏦Bank Scorer

THE CLINTON NATIONAL BANK

CLINTON, IA · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1865FDIC #4,439
Outstanding Same

Current rating · Exam: October 2023

At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 0.69%

Institution Profile

FDIC BankFind

Address

235 6th Ave S, CLINTON, IA

County

Clinton County

Established

May 1, 1865

Total Assets

$432M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

October 16, 2023

Exam Type

Intermediate Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
Estimated next exam:Oct 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$432M

Total Deposits

$376M

Net Loans

$232M

Net Income

$728K

ROA

0.69%

Above avg for Small banks. Peer avg: 0.44%

ROE

6.63%

Risk-Based Capital

0.00%

Below avg for Small banks. Regulatory min: 8%

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA0.69%Peer avg: 0.44%▲ Above avg
Risk-Based Capital0.00%Peer avg: 23.03%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

8

Branch Deposits

$346M

1-Year Change

-1

5-year net change: -1 branches

Rating History

CRA / FFIEC

Rating Trend

Stable

Based on last 3 exams

Exam DateRatingExam Type
Oct 2023OutstandingIntermediate Small Bank
Aug 2020OutstandingIntermediate Small Bank
Jul 2017OutstandingIntermediate Small Bank

4 previous ratings locked — back to 1997

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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