# CLINTON BANK
CLINTON, KY · FDIC certificate 304 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $70.4M | |
| Deposits | $59.2M | |
| Loans and leases | $52.1M | |
| Total equity | $10.7M | |
| Loans / deposits | 86.94% (p74 of band) | 73.59% |
| Liquid assets / assets | 24.07% (p30 of band) | |
| Uninsured deposits / deposits | 18.37% (p45 of band) | 19.81% |
| Brokered deposits | 0.71% | |
| Wholesale funding | 0.71% (p52 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 16.82% (p85 of band) | 11.76% |
| Unrealized securities loss / equity | -17.41% (p26 of band) | -6.57% |
| AOCI / equity | -0.38% (p50 of band) | |
| ROA (annualized) | 0.73% (p27 of band) | 1.17% |
| Net interest margin | 4.37% (p71 of band) | 3.93% |
| Efficiency ratio | 70.80% (p62 of band) | |
| Noncurrent loans | 1.77% (p83 of band) | 0.36% |
| Net charge-offs (annualized) | 0.03% (p76 of band) | |
| Reserve coverage of noncurrent | 70.61% | |
| Real estate % of loans | 79% | |
| Construction % of loans | 3.08% (p25 of band) | |
| Auto loans | $1.4M (2.78% of loans; DQ 1.17%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -1.9% | |
| Employees | 14 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **reserve under noncurrent** (`aq_reserve`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 1 |  | capital falling |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 0 |  | reserve under noncurrent, capital falling |
| 2013-09 | 1 | wholesale funding >15% |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 | capital falling | wholesale funding >15% |
| 2014-06 | 2 | wholesale funding >15% |  |
| 2014-09 | 1 |  | capital falling |
| 2014-12 | 0 |  | wholesale funding >15% |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | reserve under noncurrent |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 0 |  | reserve under noncurrent |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | wholesale funding >15% |  |
| 2017-06 | 0 |  | wholesale funding >15% |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | reserve under noncurrent |  |
| 2018-03 | 2 | wholesale funding >15% |  |
| 2018-06 | 4 | noncurrent p90, deposits shrinking |  |
| 2018-09 | 5 | uninsured deposits leaving |  |
| 2018-12 | 4 |  | deposits shrinking |
| 2019-03 | 4 | capital falling | uninsured deposits leaving |
| 2019-06 | 4 |  |  |
| 2019-09 | 4 |  |  |
| 2019-12 | 4 |  |  |
| 2020-03 | 3 | assets shrinking | wholesale funding >15%, capital falling |
| 2020-06 | 0 |  | reserve under noncurrent, noncurrent p90, assets shrinking |
| 2020-09 | 2 | assets shrinking, uninsured deposits leaving |  |
| 2020-12 | 0 |  | assets shrinking, uninsured deposits leaving |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 2 | charge-offs p90 |  |
| 2021-12 | 0 |  | capital falling, charge-offs p90 |
| 2022-03 | 1 | reserve under noncurrent |  |
| 2022-06 | 2 | AOCI drag >20% of equity |  |
| 2022-09 | 2 | securities losses >30% of equity | reserve under noncurrent |
| 2022-12 | 1 |  | securities losses >30% of equity |
| 2023-03 | 1 | assets shrinking | AOCI drag >20% of equity |
| 2023-06 | 2 | deposits shrinking |  |
| 2023-09 | 1 | securities losses >30% of equity | assets shrinking, deposits shrinking |
| 2023-12 | 0 |  | securities losses >30% of equity |
| 2024-03 | 2 | capital falling, reserve under noncurrent |  |
| 2024-06 | 0 |  | capital falling, reserve under noncurrent |
| 2024-09 | 0 |  |  |
| 2024-12 | 4 | capital falling, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2025-03 | 1 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2025-06 | 1 |  |  |
| 2025-09 | 0 |  | capital falling |
| 2025-12 | 1 | reserve under noncurrent |  |
| 2026-03 | 2 | capital falling |  |
| 2026-06 | 3 | uninsured deposits leaving |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2023-06-30 [Obituary information for William J. Bone, IV DVM - Milner & Orr Funeral Home](https://news.google.com/rss/articles/CBMigAFBVV95cUxNNHBiR05vZ3BwcVV3U1lVQlhuOExwVzgyODdRSWpsWWFtZ2hYN3JTLVpzMG1xT3RzLU9Mb3NEMEl0R08xUWFzRVc1Y003QlpyLXAxcnZMZlFHUG1RSDV3Tk1LcXc0MV8xTkFSSG9CWXlmbFJVdW84eW0xUzk1VlRUcw?oc=5) · Milner &amp; Orr Funeral Home
- 2017-02-08 [Cause of fire 'undetermined' at Harper's Country Hams in Clinton, KY - KFVS12](https://news.google.com/rss/articles/CBMipgFBVV95cUxNLWlTWVUtVWY0ZGI1Y3FMMzY2dVl3bGZucGR0bEpRQXQ2cFU5Q2dPSkxLU3JoZ0k0Ynp3bUEweW4yRUhOSlVqUFZRTnFfNy02bEdOQXpCQXVlbEdvWWJCT2tmWTZqaW1jWWFPZWplbFZEbWQ0R09yQmZ3Rmw2d3p1NFVoX2hIdWNmVUN1R3Y1MDNYWVNGSHl2Q1dDc2xqbWxLelFwZ1pn0gG4AUFVX3lxTE5KMUhXZ1NlWWNQcDYzc3lRczlpUVAxaTVLemxuaUl2dVRMTVNrcnFOWFl0amNVbDc1Z283VFBneEtrYk5uTksyX0U1SDctXzZjeHhlWVhWcFFMLXZ6eFVYdV9RNnZweUd1OWkwV2o3ZGZrM2pobnpqcGR1ckFUWHNJd1ZnenlqWEMzZDFvekJKR295dVFvVjEzN0NOeURwdDh1Qk9KZWtUaURyWTdmaVBVc3ZyWTFFNkw?oc=5) · KFVS12
- 2025-12-25 [A New York Times investigation found that America’s leading bank spent years supporting — and profiting from — Jeffrey Epstein, disregarding red flags, suspicious activity and concerned executives. https://nyti.ms/3MPtwd0 - facebook.com](https://news.google.com/rss/articles/CBMi0wFBVV95cUxNTndIX3p3OFBxSTdPVVhRTmZQOWxqTjlmUlZUWnJvbWdmR01ySGxoSzlrdmNRSTlXTU54YVNSR1Q2TC1hX2t1ejhPWWtuWk9zMHhLZUtPcjdxam42RDk1RE5VMzFfM18zNzhhMVl1bHY5UDNCRGJQNjRkc2pVbXNWMWJCRGNwU1NyYVJGRVp1MXdVMkhNV0JMNTk3eXdXdVhEbGZSTEdodjIwRFFoZFBqZ21pZ29vbUFvTl9KNG4yNUl3d2VsOElUQ1U5N2pFUS1qVXNr?oc=5) · facebook.com
- 2024-04-30 [James Walker Obituary (2024) - Clinton, KY - The Paducah Sun - Legacy obituary](https://news.google.com/rss/articles/CBMijwFBVV95cUxNb2xOcEtfUnE3NFBsai1CZ0RLNVNFRExJeGhIRW5qYzJnT0ZXaTROcG9nTDdmU19yS2puelNwak10OU5LSVpuNFVNQ2d2S01oTTRqUThtMlhvMEFUbmItRUhtTEw0MkpqNk9PNWdoREFsbmRENmhMamdSZUJfZTVBSDQyLURqVVB2VWpUcnZ1TQ?oc=5) · Legacy obituary
- 2024-06-22 [Lacey Evans Henderson Obituary | Brown Funeral Home | Clinton, KY - Tribute Archive](https://news.google.com/rss/articles/CBMifEFVX3lxTE9SbXBqdEtlZ2hlUFdxRnJwYlFKYndiSWhJWjdDNVZGejlocllENllNVG03dmplZWMzaThDNXE4SEtXWUN2ejdpdWkxc3AybnZ2YldDQ1drQTVvYzZfbVVQd0EtLXBSNU53X0ZuTGk0Mmk0N1N5eDJfOHdlbjQ?oc=5) · Tribute Archive
- 2016-11-08 [Presidential Election Could End for West Coasters by 6 O’Clock Tonight - TheWrap](https://news.google.com/rss/articles/CBMijwFBVV95cUxNUTh1SWp4cm9mdEpadzdOUlZkTkhLVDVJRnNvTDdqdTdQU21oVzFzUkhUQ3FBNDFrbG9nTWlLamwtc1paRmMzYTJzU3I5R1pnaFhybHpiQzlkekFUWnFpUElXNHNjQWRLRzhwSm5WWWdJVUNwcXJBUmZ1ZnVQVXdncVBSMGtBQk1MSHlDbzhvOA?oc=5) · TheWrap

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=304 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/48.json (key "304", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide