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.
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