Clinton Savings Bank

200 Church Street
Clinton, MA 01510
978-365-3700
www.clintonsavings.com

OverView
Rates
Health
Reviews

Clinton Savings Bank is headquartered in Clinton and is the 58^th largest bank in the state of Massachusetts. It is also the 1,390^th largest bank in the nation. It was established in 1851 and as of September of 2011, it had grown to 99 employees at 7 locations. Clinton Savings Bank has a 3-star health rating.

Clinton Savings Bank Routing Number: 211373115

Special 51-Month CD at Clinton Savings Bank - MA Only - 8/30/2011

Clinton Savings Bank is offering a special CD and IRA CD with a 2.51% APY and a term of 51 months. A 2.61% APY is available for customers with a Preferred Checking Account. Minimum deposit is $500. Th ...

Competitive 5-Year CD Rate at Clinton Savings Bank in MA - 9/17/2010

Clinton Savings Bank is offering a 3.00% APY on a 5-year CD and IRA CD. The shorter term CDs are not quite as competitive. The two that have rates above 2% include the 3-year CD with a 2.15% APY and a ...

18-Month IRA CD Special & Other Top CD Rates at Clinton Savings Bank - MA Only - 5/18/2010

Clinton Savings Bank is offering a special 18-month IRA CD with a 2.14% APY. In addition to this special, the bank continues to offer some competitive regular CD rates. Two of the best include the 2. ...

Competitive Online CDs at Clinton Savings Bank - MA Only - 3/7/2010

Clinton Savings Bank has a few competitive CDs that can be opened online if you're a MA resident. The two best are a 2.40% APY 24-month CD and a 2.01% APY 18-month CD. Minimum deposit is $500. These ...

2009

10/23 - 2.50% 24-Month CD at Clinton Savings Bank in MA - Local Only

2007

10/1 - High-Interest Reward Checking Account at a Massachusetts Bank (Clinton Savings)

Report an Issue

See Rates for: Checking | Savings | Money Market | CD | IRA

Clinton Savings Bank Checking Account Rates

Apy	Min	Max	Product
1.75%	-	$25k	Total Access Checking
0.20%	$50k	-	Preferred Checking
0.05%	-	-	Dividend Checking

Clinton Savings Bank Savings Account Rates

Apy	Min	Max	Product
0.15%	-	-	Passbook Savings
0.15%	-	-	Save 4 Club Account
0.15%	-	-	IRA Statement Savings
0.15%	-	-	Statement Savings
0.15%	-	-	Roth IRA Statement Savings
0.15%	-	-	CESA Statement Savings
0.15%	-	-	SEP IRA Statement Savings

Clinton Savings Bank Money Market Rates

	Apy	Min	Max	Product
	0.40%	$100k	-	Tiered Money Market

Clinton Savings Bank CD Rates

Apy	Min	Max	Product
2.25%	-	-	60 Month CD Promo
2.05%	-	-	48-59 Month CD Promo
2.00%	-	-	60 Month CD
1.80%	-	-	48-59 Month CD
1.75%	-	-	36-47 Month CD Promo
1.50%	-	-	36-47 Month CD
1.35%	-	-	24-35 Month CD Promo
1.15%	-	-	18-23 Month CD Promo
1.10%	-	-	24-35 Month CD
0.95%	-	-	12-17 Month CD Promo
0.90%	-	-	18-23 Month CD
0.70%	-	-	12-17 Month CD
0.30%	-	-	6-11 Month CD
0.25%	-	-	3-5 Month CD

Clinton Savings Bank IRA Rates

Apy	Min	Max	Product
2.25%	-	-	60 Month CESA Promo
2.25%	-	-	60 Month IRA Promo
2.25%	-	-	60 Month Roth IRA Promo
2.25%	-	-	60 Month SEP IRA Promo
2.05%	-	-	48-59 Month CESA Promo
2.05%	-	-	48-59 Month IRA Promo
2.05%	-	-	48-59 Month Roth IRA Promo
2.05%	-	-	48-59 Month SEP IRA Promo
2.00%	-	-	60 Month IRA
2.00%	-	-	60 Month Roth IRA
2.00%	-	-	60 Month CESA
2.00%	-	-	60 Month SEP IRA
1.80%	-	-	48-59 Month IRA
1.80%	-	-	48-59 Month Roth IRA
1.80%	-	-	48-59 Month CESA
1.80%	-	-	48-59 Month SEP IRA
1.75%	-	-	36-47 Month CESA Promo
1.75%	-	-	36-47 Month IRA Promo
1.75%	-	-	36-47 Month Roth IRA Promo
1.75%	-	-	36-47 Month SEP IRA Promo
1.50%	-	-	36-47 Month IRA
1.50%	-	-	36-47 Month Roth IRA
1.50%	-	-	36-47 Month CESA
1.50%	-	-	36-47 Month SEP IRA
1.35%	-	-	24-35 Month CESA Promo
1.35%	-	-	24-35 Month IRA Promo
1.35%	-	-	24-35 Month Roth IRA Promo
1.35%	-	-	24-35 Month SEP IRA Promo
1.35%	-	-	25 Month CESA Promo
1.35%	-	-	25 Month IRA Promo
1.35%	-	-	25 Month Roth IRA Promo
1.35%	-	-	25 Month SEP IRA Promo
1.15%	-	-	18-23 Month CESA Promo
1.15%	-	-	18-23 Month IRA Promo
1.15%	-	-	18-23 Month Roth IRA Promo
1.15%	-	-	18-23 Month SEP IRA Promo
1.10%	-	-	24-35 Month IRA
1.10%	-	-	24-35 Month Roth IRA
1.10%	-	-	24-35 Month CESA
1.10%	-	-	24-35 Month SEP IRA
0.95%	-	-	12-17 Month CESA Promo
0.95%	-	-	12-17 Month IRA Promo
0.95%	-	-	12-17 Month Roth IRA Promo
0.95%	-	-	12-17 Month SEP IRA Promo
0.90%	-	-	18-23 Month IRA
0.90%	-	-	18-23 Month Roth IRA
0.90%	-	-	18-23 Month CESA
0.90%	-	-	18-23 Month SEP IRA
0.70%	-	-	12-17 Month IRA
0.70%	-	-	12-17 Month Roth IRA
0.70%	-	-	12-17 Month CESA
0.70%	-	-	12-17 Month SEP IRA
0.30%	-	-	6-11 Month IRA
0.30%	-	-	6-11 Month Roth IRA
0.30%	-	-	6-11 Month CESA
0.30%	-	-	6-11 Month SEP IRA

Rates updated: 2/11/2012

Data for Q3 2011

Institution Statistics

Clinton Savings Bank
FDIC Certificate #	90181
BankRate Report	View
Year Established	1851
Employees	99
Primary Regulator	FDIC
Assets and Liabilities
Assets	$484.54 million
Loans	$325.88 million
Deposits	$368.94 million
Equity Capital	$50.06 million
Loan Loss Allowance	$4.48 million
Unbacked Noncurrent Loans	$19.96 million
Real Estate Owned	$2.02 million
Historic Data - September 2010
Assets	$501.77 million
Equity Capital	$49.00 million
Loan Loss Allowance	$4.67 million
Unbacked Noncurrent Loans	$19.75 million
Real Estate Owned	$1.75 million
Profit Margin - Quarterly
Net Interest Margin	3.28%
Return on Assets	0.43%
Return on Equity	4.25%
Interest Income	$15.10 million

Institution Health

Overall Score:

3 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of September 30, 2011 Clinton Savings Bank had $21.98 million in non-current loans and owned real-estate with $54.54 million in equity and loan loss allowances on hand to cover it. This gives Clinton Savings Bank a Texas Ratio of 40.29% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Clinton Savings Bank held steady from 40.05% as of September 30, 2010 to 40.29% as of September 30, 2011, resulting in a negative change of 0.60%. This indicates that the balance sheet and financial strength for Clinton Savings Bank has held steady in recent periods.
Deposit Growth
In the past year, Clinton Savings Bank has decreased its total deposits by -$5.47 million, resulting in -1.46% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Clinton Savings Bank has shown is below average.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Clinton Savings Bank has $484.54 million in assets with $54.54 million in equity, resulting in a capitalization level of 11.26%, which is above average.