# CLINTON NATIONAL BANK
CLINTON, IA · FDIC certificate 4439 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 1 (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 | $396.4M | |
| Deposits | $340.7M | |
| Loans and leases | $233.2M | |
| Total equity | $44.7M | |
| Loans / deposits | 67.49% (p21 of band) | 82.04% |
| Liquid assets / assets | 38.80% (p81 of band) | |
| Uninsured deposits / deposits | 19.49% (p27 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.09% (p42 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.44% (p82 of band) | 10.81% |
| Unrealized securities loss / equity | -33.47% (p10 of band) | -8.10% |
| AOCI / equity | -0.53% (p40 of band) | |
| ROA (annualized) | 0.77% (p20 of band) | 1.28% |
| Net interest margin | 2.90% (p8 of band) | 3.91% |
| Efficiency ratio | 76.93% (p85 of band) | |
| Noncurrent loans | 0.53% (p55 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p13 of band) | |
| Reserve coverage of noncurrent | 259.58% | |
| Real estate % of loans | 73% | |
| Construction % of loans | 7.16% (p11 of band) | |
| Auto loans | $3.6M (1.53% of loans; DQ 0.65%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -1.4% | |
| Employees | 86 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)

## 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 | 1 | capital falling | reserve under noncurrent |
| 2012-06 | 1 |  |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | AOCI drag >20% of equity |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 0 |  | AOCI drag >20% of equity |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 2 | capital falling, expense ratio p90 |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 1 |  | capital falling |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | capital falling |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 1 |  | capital falling |
| 2017-12 | 1 |  |  |
| 2018-03 | 3 | deposits shrinking, assets shrinking |  |
| 2018-06 | 4 | uninsured deposits leaving |  |
| 2018-09 | 1 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | uninsured deposits leaving |  |
| 2019-09 | 1 |  | uninsured deposits leaving |
| 2019-12 | 2 | uninsured deposits leaving |  |
| 2020-03 | 1 |  | uninsured deposits leaving |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 3 | capital falling, NIM <2.5% |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 3 | reserve under noncurrent | capital falling |
| 2021-12 | 2 |  | reserve under noncurrent |
| 2022-03 | 4 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 5 | assets shrinking |  |
| 2022-09 | 5 |  |  |
| 2022-12 | 7 | noncurrent p90, reserve under noncurrent |  |
| 2023-03 | 5 |  | AOCI drag >20% of equity, assets shrinking |
| 2023-06 | 5 |  |  |
| 2023-09 | 5 |  |  |
| 2023-12 | 7 | deposits shrinking, uninsured deposits leaving |  |
| 2024-03 | 6 |  | uninsured deposits leaving |
| 2024-06 | 5 |  | deposits shrinking |
| 2024-09 | 3 | deposits shrinking | expense ratio p90, noncurrent p90, reserve under noncurrent |
| 2024-12 | 2 |  | deposits shrinking |
| 2025-03 | 2 |  |  |
| 2025-06 | 1 |  | NIM <2.5% |
| 2025-09 | 1 |  |  |
| 2025-12 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2026-03 | 1 |  | noncurrent p90, reserve under noncurrent |
| 2026-06 | 1 |  |  |

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

- 2026-01-21 [Clinton National Bank appoints new member to board of directors - Clinton Herald](https://news.google.com/rss/articles/CBMi8AFBVV95cUxQYUc4VzRQVk5QXzZ4Y1FOcGtULVNVeURBUlNudklLRHlfUXo1LWUxLTRhbGpkSzN2RmZLcC14RWV0bEN4dWF5NkswSkRtYTVLOUJ6TkZrQXZBZ2lvMXd3dmxIOF9nUGFwb0pvNTU4SUN1ZS1nNUpmdzBjNjJ5MmlIQmp6UWU4ZGRHUDFER25aVlpDUDA0bVQzTklya2JJQldxZ1didFlPYnFLRVBtUFJxVG5JRS1PdTFMdW9BNlRmWWJWQXdnOVlaU0RNT3hMLVJOdEJOZWNaMzJGZEtjVUI5M18wVV8xaFhMbEdueE93LUc?oc=5) · Clinton Herald
- 2019-11-07 [Man arrested after robbing Clinton bank, police say - WQAD](https://news.google.com/rss/articles/CBMiywFBVV95cUxNNWl0MkxVM3ZCX2dkM0NGQnRYWEFuVEdQcTVxS1lzT0VxaVRFeUJ0a2JJeExENTJudHBWVjNsSFpNdnNyMG51NGpBNkREMElyTWVZRF9FTnRZM2twN25IT2ZqU1JYR3haVElkSmZxZzV2bFpOTk1yM3JIeFhtQWM4R2lYYU11Nk9CR2JKcDZnQm1hQksxbG5MVlFKN3FmeGwwZFdFNVYyTVRxQmtDTkhGTFVXR1JHLUFsWktKbEx3bFctVnlYdUtUN0s3aw?oc=5) · WQAD
- 2024-03-08 [Knoxville man charged after Delmar bank robbery Friday - KWQC](https://news.google.com/rss/articles/CBMikAFBVV95cUxOYUdHbll0SzdQRHRPQXZzb2lWM2F3UUZwdmxWZ3pteUp6Yi01TTdXWkVOLUFzelJnTnZGZkJyUDZXSW9Jbm9oMzVRTmdUcUNzWGRvbU56eFlVTTNHMnBPTDAxRndiYzl6d2dhYURUbl9NN1J3eTZ5R21xLVRtSWJXenh5NUlnaGFHazdEZExoZmnSAaQBQVVfeXFMTnNpMVFNUHVfNE5nUVBrRnBjU0tDRGZDU1p1clZHZ1FzMW10UV91cmdfbUpZSzRXdzVDbVlPcGk5dk1RNFJJbVN1aExPQUlPaEx2NnJVWVQtT3A1WkpGeDRHdFphZG83R2psYmdSbTVndkxfN3FsU3F5VzRhRVpsdWpXTnpMd0l4Tmt1dWNqWkJDNG5kU3F5T3dfVHJtRkpMc2hfTFo?oc=5) · KWQC
- 2020-08-21 [Robert P. Holleran's Obituary, Visitation & Funeral Information - Snell-Zornig Funeral Homes](https://news.google.com/rss/articles/CBMic0FVX3lxTE9DRmVkdTlySXJpQUZYRGRMRDVSTGhzZ1pXeHp0ZkN4WXRKSlRDODRVMl9jR2puRHEwVTliNWVGUzF4MVJ0Y25lX1pHaGVJMVVTNkhndXkxWjVxZXppVUN5N1h3YW82ckQyNEJYZEFUZUxhSHc?oc=5) · Snell-Zornig Funeral Homes
- 2018-04-16 [National bank notes theme of programs at Higgins Museum seminar - Coin World](https://news.google.com/rss/articles/CBMimAFBVV95cUxPek0ybDdBVE91Tlh2LU04d2FMUGNNa2pDY1V3TUJ1MS1xaXhNeGpXVndMVHpiOC1UTGFOMFJucldQVENDX3NsMEw0aEgydzRTb0ZNUzJUYVhwYTVKVEpSNmNqT01zaVZxSmdJT0JOY1FBckhveXpWN2pJeUxabXhuaHJrOUV0TTZlY2NRRHFPWGFRbU9wSVdfQg?oc=5) · Coin World
- 2020-12-21 [Klahn retiring from Clinton National Bank, new manager named - Clinton Herald](https://news.google.com/rss/articles/CBMi6wFBVV95cUxQV0FpVXUteEhHSUt1SEhnVDY2NkNBdXVvdkNReDRtT0NPd2RJZUR3WXhvOEVPaE14bUhiUDZzZkVocFQ3NDdWQmlsT0J4WUcyb1BBYjVzNHZLd1hVdVZUdWdYNHhMMkNGd3VkZ2p6ZVpYcC1zLU4yWUo0djZrMmF5ZFYyMy1kRjhjbEZqMW54MmRCNTVjMXNCMnJvY2ttbDE3MTJjTzdaUWNaZHJxMG0wdHp6RG1qLXpJMU44WTJfRnYtbTlYUWNTd3hMY1VicUY4S0tXX3N3SkpWRGt5dXZuR29BS3JydFBWaXNj?oc=5) · Clinton Herald
- 2020-02-13 [Clinton bank robbery suspect charged - WQAD](https://news.google.com/rss/articles/CBMiuAFBVV95cUxOVFFmM2N6eVpZSE1iVEFZOF81Y1h0UUxiakNUWjdpSVU1dWVKV0ZTbzE5eDk3SlNyR201cDdSa3FNenc1WmNWdkpBanRFaENDdmVtUFNUQlNLT0piVl9PdV96UW0zRWJGZ3pfTHZCYmZHUGRUWmVpT2p1XzJxdkpocnptSXM2US0ySkFPd0tSYm1iWHhtSWpXUjQ3NTRqSWN0UFRUYW5pWFlucy1zZ0N6MmpPY2tlNklU?oc=5) · WQAD
- 2024-07-11 [Man sentenced to 10 years in prison for Clinton National Bank robbery - Clinton Herald](https://news.google.com/rss/articles/CBMi6gFBVV95cUxNNkxua2w3dHZpVHo5WFIyZThpTkplMDBudWVmRkhsWlpHQ1dUTDYzaEhEUmFVbFp6RjFDejFJN3NrejlwUUlQWXNIMk0tSGxxSFhxRmtZaWhUMXRadTVfcWY0OGZXRWZNLUNhRDVkYmREZ1paaTktZmhZbU5VN3ZnRDltN1NVcHBmNHNZank1aXFyOFZma0NhRThxODNtRHg5bjNNb3ZiTkFBdm9Za0RQWEROUWdGTjBzWVdJbm5vUzI3TXhqVEVDaHcyaG1LdHRJQ0lsemtjUU9uaXhXU09COUcyUnJGNDZPRFE?oc=5) · Clinton Herald

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=4439 (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/23.json (key "4439", 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