The Clay City Banking Co.
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Data as of · sourced from FFIEC call reports. How we update
The Clay City Banking Co. is an FDIC-insured commercial bank headquartered in Clay City, IL, established in 1892 (FDIC certificate 10845), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $253.3M, up 10.2% from Q2 2025, the 169th largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 15.72% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 10845
- Headquarters
- Clay City, IL
- Established
- 1892
- Total assets, Q2 2026
- $253.3M
- Assets vs Q2 2025
- +10.2%
- CET1 ratio, Q2 2026
- 15.72%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 081212273
- Latest call report
- Q2 2026, FFIEC 051 · The Clay City Banking Co. call report
- Holding company
- CLAY CITY BANK SHARES, INC
- Asset rank in state
- 169th of 319 in Illinois
Problem loans are rising at The Clay City Banking Co.. Based in Clay City, Illinois, it had $253 million in assets at June 30, 2026, up 10.2% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.09% of loans from 0.66% a year earlier. It grew deposits 9.6% over the year, 2.4 times the median of 4.0% for the 2,660 banks with $100 million to $1 billion in assets.
Earnings jumped: net income for the quarter was $876,000, 36% above the same quarter a year earlier. The commercial and industrial book ($24 million) is worsening: 5.07% of it is past due or on nonaccrual, up from 3.58% a year earlier.
As of June 30, 2026, The Clay City Banking Co. reported a CET1 capital ratio of 15.72%, a return on assets of 1.38%, a nonperforming-loan ratio of 1.09% and a Texas ratio of 7.34%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The Clay City Banking Co. is the 169th largest of the 319 banks headquartered in Illinois. Between Q1 2026 and Q2 2026, its total assets fell 1.1% to $253.3M, loans rose 0.2% and deposits fell 1.5%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 38.6% of total loans, ahead of commercial and industrial loans at 14.8%. Its 4 offices in the FDIC Summary of Deposits are in 4 cities in IL; its Flora office books 40% of its branch deposits. On its Q2 2026 call report, The Clay City Banking Co. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 331 S Main St, Clay City, IL 62824
- County
- Clay
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Trust powers not granted
- Call Report form
- FFIEC 051
- Established
- July 5, 1892
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 37
- Domestic deposits
- $227.8M
- Allowance for credit losses
- $1.6M
- Net charge-offs (YTD)
- $81K
- Average total assets
- $253.4M
- Average total loans
- $162.6M
- Average interest-bearing deposits
- $192.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10845
- Fed RSSD
- 623548
- Website
- www.claycitybanking.bank →
- Parent Holding Company
- CLAY CITY BANK SHARES, INC (RSSD 2576415)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, The Clay City Banking Co.'s total assets ran between $206.5M (Q3 2023) and $256.2M (Q1 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$253.3M total assets against $229.9M; $229.8M total liabilities against $209.7M.
$160.6M net loans and leases against $149.6M; $227.8M total deposits against $207.8M.
$53.2M securities against $46.0M; $27.5M cash and balances due against $22.5M.
$3.4M total interest income against $3.0M; $1.0M total interest expense against $1.1M.
$2.3M net interest income against $1.9M.
$528K total noninterest income against $467K; $1.6M total noninterest expense against $1.5M.
$60K provision for credit losses against $38K.
$876K net income against $646K.
1.38% return on assets against 1.12%; 3.87% net interest margin against 3.52%.
15.72% CET1 capital ratio against 15.19%; 10.24% tier 1 leverage ratio against 10.01%.
Inside the full The Clay City Banking Co. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Clay City Banking Co. rankings
Its closest position to the top of a national ranking is 914 of 3,640, for Texas Ratio; its furthest is 2,685 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.78% (Q4 2024) to 1.45% (Q1 2026) and its net interest margin ran from 3.16% (Q3 2024) to 3.92% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.72% | 1.38% | 1.09% | 7.34% | 3.87% |
| Q1 2026 | 15.15% | 1.45% | 1.14% | 7.94% | 3.86% |
| Q4 2025 | 14.79% | 1.06% | 0.93% | 6.74% | 3.92% |
| Q3 2025 | 15.20% | 1.30% | 0.63% | 4.36% | 3.65% |
| Q2 2025 | 15.19% | 1.12% | 0.66% | 4.64% | 3.52% |
| Q1 2025 | 14.75% | 1.07% | 0.52% | 3.94% | 3.36% |
| Q4 2024 | 14.56% | 0.78% | 0.38% | 2.91% | 3.26% |
| Q3 2024 | 14.79% | 1.03% | 0.84% | 6.03% | 3.16% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Flora Branch | Flora , IL | 62839 | $91.9M |
| Fairfield Il Branch | Fairfield , IL | 62837 | $73.8M |
| The Clay City Banking Co. | Clay City , IL | 62824 | $46.7M |
| Louisville Branch | Louisville , IL | 62858 | $15.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 192 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $433K approved, $433K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2013 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The Clay City Banking Co.
What are The Clay City Banking Co.'s total assets?
As of the Q2 2026 filing, The Clay City Banking Co. reported total assets of $253.3 million in its FFIEC call report.
Where is The Clay City Banking Co. headquartered?
It is headquartered in Clay City, IL, United States.
When was The Clay City Banking Co. founded?
It was established in 1892, per the FDIC institution directory.
Is The Clay City Banking Co. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #10845). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Clay City Banking Co.?
The Clay City Banking Co.'s primary federal regulator is the FDIC.
What is The Clay City Banking Co.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.72% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Clay City Banking Co. operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Clay City Banking Co.'s Texas Ratio?
Its Texas Ratio is 7.34% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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