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Clinton Savings Bank
Clinton, MA · FDIC Certificate #90181 · Chartered 05/1
Total assets
$744.70M
Total deposits
$581.56M
Total equity
$59.45M
Net loans
$512.28M
Branches (offices)
8
Net income (YTD)
$1.30M
Rank: #1,315 of 4,213 U.S. banks by assets · #59 of 89 in Massachusetts. Assets changed 0.1% and deposits -1.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.35% |
| Return on equity | 4.43% |
| Net interest margin (YTD) | 2.98% |
| Equity to assets | 7.98% |
| Tier 1 leverage ratio | 9.65% |
| Uninsured deposits (share of deposits) | 25.0% |
| Noncurrent loans (share of loans) | 0.50% |
| Net charge-offs (share of loans) | 0.66% |
| Loans to deposits | 88.1% |
| Real estate loans (share of loans) | 99.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $506.90M | 99.0% | |
| Commercial & industrial | $6.65M | 1.3% | |
| Consumer / individual | $4.90M | 1.0% | |
| Construction & development | $34.79M | 6.8% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $656.39M | $570.04M | $577.00K | $60.10M |
| Jun 2023 | $707.41M | $602.59M | $1.63M | $59.46M |
| Jun 2024 | $745.05M | $592.28M | -$1.21M | $59.30M |
| Jun 2025 | $744.04M | $591.16M | $797.00K | $62.21M |
| Jun 2026 | $744.70M | $581.56M | $1.30M | $59.45M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Massachusetts | $581.56M | 8 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $581.56M.
Similar-sized banks
Town & Country Bank ($747.73M) · Bank Of Prairie Du Sac ($744.55M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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