Branch Network
The Clay City Banking Co. Locations & Branches Clay City, Illinois
BankRegReports is independent of The Clay City Banking Co. and never asks for online banking logins or passwords.
The Clay City Banking Co. operates 4 branches from its headquarters in Clay City, IL, .
The Clay City Banking Co. branch network
All 4 branches are in ILLINOIS, across 4 cities. Its largest office by deposits is the Flora Branch office in Flora, IL, with $91.9M (40.3% of its branch deposits). It had the same number of branches on June 30, 2025.
The Clay City Banking Co. at a glance
Its CET1 capital ratio was 15.72% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Total assets, Q2 2026
- $253.3M
- CET1 ratio, Q2 2026
- 15.72%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Latest call report
- Q2 2026, FFIEC 051
- Established
- 1892
Full financial profile · Is The Clay City Banking Co. safe? · The Clay City Banking Co. call report · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Clay City, IL (1 branch) | 1 of 1 | 100.0% | $46.7M |
| State: IL (4 branches) | 192 of 379 | <0.1% | $227.8M |
Ranked by total assets among banks headquartered in the state: Largest banks in Illinois.
Share by county and metro area
The Clay City Banking Co.'s share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Clay, IL (3 branches) | 1 of 5 | 35.0% | $154.0M | $439.9M |
| Wayne, IL (1 branch) | 3 of 5 | 12.6% | $73.8M | $584.0M |
Metro area share: not on file. None of this bank's branches sit in a metropolitan or micropolitan area in the FDIC branch directory.
| 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 |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 10845) · FFIEC NIC profile (RSSD 623548)