Total Assets
$408M
Total balance-sheet footings
FDIC Cert #4439 · Clinton, Iowa · Est. 1865
The Clinton National Bank - FDIC Bank Health Profile
A community-scale look at The Clinton National Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $408M
- Total assets
- B
- Health grade · Good
- 0.60%
- Return on assets
- 13.2%
- Tier 1 capital
Data updated July 2026
The verdict
The Clinton National Bank earns a PlainBankData health grade of B (65/100), with well-capitalized at 13.24% Tier 1, 0.60% ROA, 80% efficiency ratio.
- #2,062
- largest of 4,313 FDIC banks by assets
- 52nd
- percentile by asset size, nationally
- 13.24%
- Tier 1 ratio - above the 10% well-capitalized line
- 20th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How The Clinton National Bank's 65/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
The Clinton National Bank's composite health score
Tier 1 Capital Ratio (13.24%) 35/40
Return on Assets (ROA) (0.60%) 14/25
Texas Ratio (13.85%) 16/20
Efficiency Ratio (80.44%) 0/15
65 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$350M
Customer-funded liabilities
Net Loans
$231M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The Clinton National Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Clinton National Bank's score of 65/100 falls in the highlighted band.
The Clinton National Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). The Clinton National Bank's $408M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
13.24% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
13.24%
Texas Ratio
13.85%
Equity Capital
$44M
Profitability metrics
Return on Assets (ROA)
20th percentile nationally
0.60%
Return on Equity (ROE)
6.32%
Efficiency Ratio
80.44%
What the numbers say about The Clinton National Bank
The Clinton National Bank is an FDIC-insured institution (Certificate #4439) headquartered in Clinton, Iowa, established in 1865. It holds $408M in total assets - 2,062nd of 4,313 FDIC-insured banks, $350M in customer deposits, and $231M in net loans. Its capital position: a Tier 1 ratio of 13.24%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 13.85% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of B (65 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
The Clinton National Bank sits 80th of 230 banks headquartered in Iowa by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$16M
Interest Income
$3M
Non-Interest Income
$11M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. The Clinton National Bank reports a Texas Ratio of 13.85% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
13.85% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Iowa by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Clinton National Bank (FDIC Cert #4439) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Iowa
All Iowa banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Principal BankDes Moines | $9.3B | A | 1.24% |
| Bankers Trust CompanyDes Moines | $7.5B | A | 1.10% |
| MidWestOne BankIowa City | $6.3B | A | 1.12% |
| Hills Bank and Trust CompanyHills | $4.6B | A | 1.33% |
| West BankWest Des Moines | $4.1B | A | 0.94% |
| Northwest BankSpencer | $3.0B | B | 1.03% |
| Cedar Rapids Bank and Trust CompanyCedar Rapids | $2.9B | A | 2.83% |
| Quad City Bank and Trust CompanyBettendorf | $2.7B | A | 1.30% |
Frequently asked questions
What is The Clinton National Bank's health grade?▼
The Clinton National Bank receives a health grade of B (65/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is The Clinton National Bank?▼
The Clinton National Bank holds $408M in total assets and $350M in deposits, ranking 2,062nd of 4,313 FDIC-insured banks by asset size. It is headquartered in Clinton, Iowa.
Is my money safe at The Clinton National Bank?▼
Yes, deposits at The Clinton National Bank (Certificate #4439) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The Clinton National Bank's Tier 1 Capital Ratio?▼
The Clinton National Bank has a Tier 1 Capital Ratio of 13.24%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for The Clinton National Bank?▼
The Clinton National Bank has a Texas Ratio of 13.85%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is The Clinton National Bank?▼
The Clinton National Bank has an Efficiency Ratio of 80.44%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read The Clinton National Bank's profile as a depositor or analyst.
- The Clinton National Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The Clinton National Bank against other Iowa banks before moving funds. Iowa banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.