Clinton Bank

Clinton, KentuckyFDIC Cert #304

STATEEstablished 18871 branch

Holding company: CLINTON BCORP INCRegulator: FDIC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Latest reported loan balances by category
Category	Balance
Owner CRE	$3.47M
Investor CRE	$868K
Multifamily	$0
Construction	$341K
1–4 family	$14.1M
C&I	$4.41M
Agriculture	$24.2M
Other	$3.62M

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$51M

+18.7%y/y

Percentile by value79th percentileby value

FDICLNLSGR

Net loans

$50.4M

+18.7%y/y

Percentile by value79th percentileby value

FDICLNLSNET

Loans YoY

+18.70%

+218.0%y/y

Percentile by value90th percentileby value

FDICLNLSNET

L/D

83.8%

+14.3%y/y

Percentile by value79th percentileby value

FDICLNLSNET + DEP

Loans/assets

70.5%

+14.9%y/y

Percentile by value79th percentileby value

FDICLNLSNET + ASSET

RE loans %

80.00%

−1.6%y/y

Percentile by value66th percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

2,703points

+4.6%y/y

Peer standing49th percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

6.81%

−11.8%y/y

Percentile by value63rd percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

1.70%

−53.2%y/y

Percentile by value37th percentileby value

FDICLNRENROT + LNLSGR

C&I %

8.64%

−7.1%y/y

Percentile by value47th percentileby value

FDICLNCI + LNLSGR