Clinton Bank

Headquarters

220 East Clay Street
Clinton, KY 42031
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.16% 1.05% →
1-Year CD 0.60% 0.95% →
2-Year CD 0.87% 1.05% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Clinton Bank is an FDIC insured institution located in Clinton, KY. It was founded in 1887 and has approximately $0.06 billion in assets.

FDIC Insured Yes
FDIC Certificate # 304
Date Established 1887
Assets $ 61.12 million
Loans $ 35.44 million
Deposits $ 42.25 million
Capital $ 12.11 million
 

For a more detailed analysis of Clinton Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - September 20, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Savings
0.16% $2,500 $4,999 Learn More
Money Market
0.37% $2,500 $2,999 Learn More
Money Market
0.47% $10,000 $14,999 Learn More
Money Market
0.47% $25,000 $29,999 Learn More
CD Rates APY MIN MAX
3 Mo CD
0.25% $10,000 $14,999 Learn More
3 Mo CD
0.25% $100,000 $199,999 Learn More
6 Mo CD
0.39% $10,000 $14,999 Learn More
6 Mo CD
0.39% $100,000 $199,999 Learn More
Special: 12 Mo CD
0.60% $10,000 - Learn More
12 Mo CD
0.51% $10,000 $14,999 Learn More
12 Mo CD
0.51% $100,000 $199,999 Learn More
Special: 15 Mo CD
0.72% $25,000 - Learn More
18 Mo CD
0.63% $10,000 $14,999 Learn More
18 Mo CD
0.63% $100,000 $199,999 Learn More
Special: 24 Mo CD
0.87% $10,000 - Learn More
24 Mo CD
0.87% $10,000 $14,999 Learn More
24 Mo CD
0.87% $100,000 $199,999 Learn More
30 Mo CD
0.79% $10,000 $14,999 Learn More
30 Mo CD
0.79% $100,000 $199,999 Learn More
48 Mo CD
0.98% $10,000 $14,999 Learn More
48 Mo CD
0.98% $100,000 $199,999 Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.13% $1 $99 Learn MoreShow Less
Int Ckg
0.18% $2,500 $3,499 Learn MoreShow Less

Loan Rates - September 20, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Clinton Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
2.815% 2.750% 0.88 $2,118 $1,021 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.990 %
$0 Learn More
More Info

Note to Clinton Bank
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Branches

Clinton Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Fairfield,Connecticut


Clinton Bank Locations


Financial Details

Clinton Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Clinton Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Clinton Bank U.S. Bank Average
11.9% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2020, Clinton Bank had $1,252,000 in non-current loans and $241,000 in owned real estate. To cover these potential losses it had $12,109,000 in equity and $440,000 in loans loss reserves. That gives it a Texas Ratio of 11.9%.

Return on Equity
Clinton Bank U.S. Bank Average
4.58% 7.80%

Clinton Bank has a Return on Equity of 4.58% versus the BestCashCow average of 7.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Clinton Bank U.S. Bank Average
19.81% 12.68%

Clinton Bank has a Capitalization of 19.81% versus the BestCashCow average of 12.68. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Clinton Bank Balance Sheet Analysis

As of March 31, 2020, Clinton Bank had assets of $61,118,000, loans of $35,438,000, and deposits of $42,248,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2020
ASSETS
Cash & Balances due from depository institutions $ 1.71 million
Interest-bearing balances $ 0.90 million
Total securities $ 17.61 million
Federal funds sold and reverse repurchase $ 4.99 million
Net loans and leases $ 35.44 million
Loan loss allowance $ 0.44 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.24 million
Goodwill and other intangibles N.A.
All other assets $ 0.90 million
     Total Assets $ 49.01 million
LIABILITIES
Total deposits $ 42.25 million
      Interest-bearing deposits $ 30.42 million
      Deposits held in domestic offices $ 42.25 million
      % insured (estimated) 78.72%
Federal funds purchased and repurchase agreements $ 2.00 million
Trading liabilities N.A.
Other borrowed funds $ 4.59 million
Subordinated debt N.A.
All other liabilities $ 0.18 million
      Total Liabilities $ 49.01 million
      Shareholders’ Equity $ 12.11 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 0.64 million
Total Interest Expense $ 0.14 million
Net interest income $ 0.50 million
Provision for loan and lease losses $ 0.01 million
Total non interest income $ 0.01 million
Total non interest expense $ 0.42 million
Pre-tax Net Operating Income $ 0.08 million

Bank Loan Profile?

The top three loan types in Clinton Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Farm Loans.

Compared to other banks in Kentucky, Clinton Bank has a significantly higher percent of Farm Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 20.20
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 1.51
Small Business Loans 0.00
Construction and Development Loans 0.43
Commercial Real Estate 8.91
Commercial and Industrial Loans 8.70
Farm Loans 8.76

Frequently Asked Questions About Clinton Bank

Branches and Savings

Is Clinton Bank FDIC insured?

Yes. It is covered under FDIC Certificate #304.

Why does Clinton Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Clinton Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Clinton Bank a commercial bank?

Yes

Where are Clinton Bank locations?

See branch locations nearby.

Is Clinton Bank open on Saturdays?

Is Clinton Bank open on Sundays?

What time does Clinton Bank open?

What time does Clinton Bank close?

Are Clinton Bank ATMs Open 24/7?

Do Clinton Bank ATMs accept cash deposits?

Can Clinton Bank customers use other ATMs?

Do Clinton Bank branches have notaries?

Will Clinton Bank notarize my document?

What address for Clinton Bank should I put for incoming ACH transfers?

Will the Clinton Bank branch print checks?

Do Clinton Bank checks expire?

Does Clinton Bank require US citizenship to open account?

Can Clinton Bank close my account?

Does Clinton Bank Report to credit bureaus?

Does Clinton Bank Use Equifax?

What is Clinton Bank's ACH Routing Number?

What is Clinton Bank's SWIFT code?

Products

Does Clinton Bank offer mortgages?

Compare mortgage rates here.

Does Clinton Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Clinton Bank offer personal loans?

Compare personal loan rates here.

Does Clinton Bank offer student loans?

Will Clinton Bank cash a check?

Will Clinton Bank redeem a savings bond?

Does Clinton Bank cash savings bonds?

Will Clinton Bank cash money orders?

Can Clinton Bank issue a money order?

Does Clinton Bank do currency exchange?

Background on The Bank

Who owns Clinton Bank?

How long has Clinton Bank been around?

Can Clinton Bank transfer to other banks?

Does Clinton Bank have quick pay?

Does Clinton Bank accept rolled coins?

Will Clinton Bank accept loose change?

Where is Clinton Bank headquarters?

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