# CLINTON SAVINGS BANK
CLINTON, MA · FDIC certificate 90181 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. 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 | $744.7M | |
| Deposits | $581.6M | |
| Loans and leases | $518.5M | |
| Total equity | $59.4M | |
| Loans / deposits | 88.09% (p66 of band) | 82.04% |
| Liquid assets / assets | 23.56% (p45 of band) | |
| Uninsured deposits / deposits | 25.02% (p46 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 13.46% (p84 of band) | |
| FHLB advances / assets | 12.54% | |
| Tier 1 leverage | 9.65% (p26 of band) | 10.81% |
| Unrealized securities loss / equity | -50.97% (p4 of band) | -8.10% |
| AOCI / equity | -0.69% (p34 of band) | |
| ROA (annualized) | 0.35% (p8 of band) | 1.28% |
| Net interest margin | 2.98% (p10 of band) | 3.91% |
| Efficiency ratio | 93.16% (p97 of band) | |
| Noncurrent loans | 0.50% (p55 of band) | 0.43% |
| Net charge-offs (annualized) | 0.46% (p96 of band) | |
| Reserve coverage of noncurrent | 237.45% | |
| Real estate % of loans | 98% | |
| Construction % of loans | 58.52% (p63 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -1.6% | |
| Employees | 95 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)
- **expense ratio p90** (`earn_efficiency`)
- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 1 |  | wholesale funding >15% |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 1 |  | capital falling |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 2 | wholesale funding >15% |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 3 | uninsured deposits leaving |  |
| 2015-12 | 2 |  | uninsured deposits leaving |
| 2016-03 | 1 |  | reserve under noncurrent |
| 2016-06 | 2 | reserve under noncurrent |  |
| 2016-09 | 1 |  | reserve under noncurrent |
| 2016-12 | 2 | reserve under noncurrent |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 3 | loans exceed deposits |  |
| 2018-03 | 3 | capital falling | reserve under noncurrent |
| 2018-06 | 2 |  | capital falling |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 1 |  | loans exceed deposits |
| 2019-06 | 0 |  | wholesale funding >15% |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | losing money |  |
| 2020-06 | 1 | capital falling | losing money |
| 2020-09 | 2 | reserve under noncurrent |  |
| 2020-12 | 0 |  | capital falling, reserve under noncurrent |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | securities losses >30% of equity |  |
| 2022-06 | 2 | AOCI drag >20% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 5 | expense ratio p90, NIM <2.5%, deposits shrinking, uninsured deposits leaving |  |
| 2024-06 | 7 | capital falling, losing money, noncurrent p90, reserve under noncurrent | deposits shrinking, uninsured deposits leaving |
| 2024-09 | 7 |  |  |
| 2024-12 | 7 |  |  |
| 2025-03 | 5 |  | NIM <2.5%, capital falling |
| 2025-06 | 4 |  | losing money |
| 2025-09 | 6 | wholesale funding >15%, losing money |  |
| 2025-12 | 7 | capital falling, charge-offs p90, deposits shrinking | noncurrent p90, wholesale funding >15% |
| 2026-03 | 4 |  | losing money, charge-offs p90, deposits shrinking |
| 2026-06 | 3 | charge-offs p90 | reserve under noncurrent, capital falling |

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

- 2026-06-08 [2026 Power 100: Mary Dean - wbjournal.com](https://news.google.com/rss/articles/CBMiZkFVX3lxTE9pb2lsZFFQdnE5S21Qc0kwUUh5bFNJbkxqQlR3N3NBMWpZc1ZhdllRMzZReXRxWkNMN0plUW5MVE5sbGVHX1hfRWQwemZYSnhuZEpNX19rc05ualdsODFKQU5IZHVRUQ?oc=5) · wbjournal.com
- 2020-08-28 [Social media ambassadors, online education: How banks are courting Gen Z - American Banker](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNdkd4WGRTbXQwcUNwQVd1LXAyUDhURjRuX3ZtNUhuUWExdG1DYlFxa3FTWG9OOHRSd0FNZ2ExSkhqYjNVa0h6b01wY0JrTU1vQk04Y3ZwbXpXcjl2RElJbTNNTk83OWd6ZHhxMEJjeTVIWldfQVZxNDdjX1BPYkJMdjhkWHdMRkRUMmdHOXNlcHZ5am15ZEpNdGdKYnc1TWVaQTJNMzlTRkFlQQ?oc=5) · American Banker
- 2026-05-14 [Clinton Savings Bank celebrating 175 years in business - Worcester Telegram](https://news.google.com/rss/articles/CBMixAFBVV95cUxPQlYyZmk1VzhaVFBYOVA1TjB2M1ItZ3FOQ0Y1TGxaSEhka0MyVklaWnBiektiVHdhMmpmbzUxMFJWdG5vcXVaQVoydUJXYVYxWTBicG5wUjBSRnRkTVdJa2VfOUQtbEt6Q01HRWYwcTRYNHhOUEtKRXM1RWc1dlhvTExXMEFqc1NwelhCQTdnY1NnQXFEeUNRZHFmNVVNazF4S0hRTWdSZWR2MWtGc3hMY2J1VExrYjlWeUw2WGRFQWNGd0cx?oc=5) · Worcester Telegram
- 2025-04-07 [Clinton Savings Bank’s first woman CEO officially takes over - wbjournal.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxNZC1XRjZJOEFkOTJvY3dndVNwMkxSb21xM3lCc3JjTzJPQmlyQjZFMnpJZ3N5UHZRaTNUOEc0WDZ3WlhzQlBtdGpod3NLNDlocFloc2lUR29hdkNZaGdTNDBrWERyQnNCQzRFbjA1bHQ0azVIQjl3Y0xNcGRqa1QyM05YeTRYck1zcjZ6TEk1STZBNXot?oc=5) · wbjournal.com
- 2016-01-29 [Police: Bank teller stole thousands from elderly customers - WCVB](https://news.google.com/rss/articles/CBMinAFBVV95cUxNU3pHMExRdjlYWnphVHVjXzdQSHVLRkhIdktsSVRBSDY1S3VqRGthclllYWxXek5Bb3JnbjZuMmt2M2drWkUwTHlGMWk5bFpoWTBMUVhUMFhBcmxrUWY4c1BhYmZNZWQyR0pQcVhkbkNuVmtCU0lCZlRLVFRRQjNZRW5TQkFzc29uUUpVSkRFelBVZGpEWGI5ZkJWMnY?oc=5) · WCVB
- 2024-12-10 [Sheep Pond Road Home In Foreclosure Now Condemned Due To Erosion - Nantucket Current](https://news.google.com/rss/articles/CBMinwFBVV95cUxPYmlGRzRvZnV1aUNvZ2VvRkJCS0d0SzZhSW1OT0pDelR5aVVJSW1FWjFraXNWMkhMRkpVakVXenFnQS1HOFNvN3hTSXZXdVRVWmJvTEJiVlVRekczQVBYVm9JX3NpcXBkU2FUaGw2V1lHVmQ0TTRveXBiUV9ZckZyZUpjSnFFc054QTNiQ1FHdmtQM0NldkFsWjB2STNERkE?oc=5) · Nantucket Current
- 2026-05-24 [Central Mass. by the Numbers, Sunday, May 24 - Worcester Telegram](https://news.google.com/rss/articles/CBMiswFBVV95cUxNOE1vWVFPejhubGVpNEJTVHpMQnRqSXNrLTFpNWlGb1pnb1RoMmRsbW9ScUFKS09XX3VzU29kYTBLNEpDRXZ6d0FCaFVUMU9tb291WGtqYXczbDdMdUVFd1Y3SmN2ZllaMVhxOW4xN1ZPemJEd0FJVzJzNDl1S1hYaFZEbmVuRVdwbnF4NWhnWUV5NEtYWkFqb1VYMl9SUHVGLWptTVhDazRTaFR5dGlibjJCNA?oc=5) · Worcester Telegram
- 2024-08-28 [Clinton Savings Bank CEO to retire, EVP to become bank’s first woman leader - wbjournal.com](https://news.google.com/rss/articles/CBMipwFBVV95cUxPVDBrTXBYaFJnOTJrbDRuOTdUWmNyZVZuTW04cjh2TWR0Vi1ldFlScTVjTFlYMGJSdHk5Nnl1VHVsU2tfYkJqZFhSUW01V21MOFJoRDFES3R4a280ZENLdE1tNDNTUmNobzVKNnVpcEIyV3g2d2M3LVFUa1E4S1o5V0gyck44eklLSVM1VWY1bEphLXRDSmRRdzdZbndwSWc3LUhMMFNpRQ?oc=5) · wbjournal.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=90181 (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/5.json (key "90181", 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