BanksCLAY CITY BANKING CO., THE

CLAY CITY BANKING CO., THE

CLAY CITY, ILSmallEst. July 5, 1892, midnightFDIC #10845RSSD #623548FDIC
Latest · 2025-12-31

CLAY CITY BANKING CO., THE is an 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%. CET1 capital ratio: 14.79%, well above regulatory minimums. NPL ratio: 0.74% · Texas Ratio: 5.42%. Operates 4 domestic branches.

Assets
$251M
Deposits
$227M
Loans
$164M
Equity
$22M

Profitability

Return on Assets (ROA)1.04%
Return on Equity (ROE)11.63%
Net Interest Margin3.99%
Yield on Assets5.96%
Cost of Funds2.01%

Asset Quality

NPL Ratio0.74%
Net Charge-Off Ratio0.04%
Texas Ratio5.42%
NPA Ratio0.51%
ACL / Loans0.96%

Capital & Liquidity

CET1 Ratio14.79%
Tier 1 Capital14.79%
Total Capital Ratio15.76%
Leverage Ratio10.16%
Loan-to-Deposit72.28%

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