CLAY CITY BANKING CO., THE

CLAY CITY, IL | Small | Est. July 5, 1892, midnight | FDIC #10845 | RSSD #623548 | FDIC
Latest Report: 2025-12-31

CLAY CITY BANKING CO., THE is asn small FDIC-insured commercial bank headquartered in CLAY CITY, IL, established in July 5, 1892, midnight. As of 2025-12-31, the bank reported total assets of $251M and total deposits of $227M. Profitability stands at 1.04% ROA and 11.63% ROE, with a net interest margin of 3.99%. The bank's CET1 capital ratio is 14.79%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.74% and a Texas Ratio of 5.42%. FDIC Certificate #10845.

Assets

$251M

Deposits

$227M

Loans

$164M

Equity

$22M

Profitability

Return on Assets (ROA) 1.04%
Return on Equity (ROE) 11.63%
Net Interest Margin (NIM) 3.99%
Yield on Assets 5.96%
Cost of Funds 2.01%

Asset Quality

NPL Ratio 0.74%
Net Charge-Off Ratio 0.04%
Texas Ratio 5.42%
NPA Ratio 0.51%
ACL / Loans 0.96%

Capital & Liquidity

CET1 Ratio 14.79%
Tier 1 Capital 14.79%
Total Capital Ratio 15.76%
Leverage Ratio 10.16%
Loan-to-Deposit 72.28%

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