The Clay City Banking Co.: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Compared with Q1 2026, Equity capital to total assets rose 0.44 percentage points in Q2 2026 to 9.29%, the biggest move on this page. The Clay City Banking Co. ranks 89th of 198 Illinois banks on CET1 ratio, in the upper half at 15.72% (Q2 2026). The Clay City Banking Co. reported 15.72% on CET1 ratio for Q2 2026, 0.65 points above the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.72% |
| Tier 1 risk-based capital ratio | 15.72% |
| Total risk-based capital ratio | 16.70% |
| Tier 1 leverage ratio | 10.24% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $26.0M |
| Tier 1 capital | $26.0M |
| Total risk-based capital | $27.6M |
| Total equity capital | $23.5M |
| Risk-weighted assets | $165.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.29% |
| Tangible equity to tangible assets | 9.29% |
| Equity capital to average assets | 9.29% |
| Internal capital growth rate | 14.25% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $800K |
| Common stock surplus | $967K |
| Retained earnings | $24.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.4M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 13.96% | 13.96% | 14.86% | 10.10% | $145.8M |
| Q4 2023 | 13.67% | 13.67% | 14.57% | 10.08% | $148.7M |
| Q1 2024 | 14.01% | 14.01% | 14.97% | 9.91% | $147.3M |
| Q2 2024 | 14.28% | 14.28% | 15.27% | 9.90% | $147.2M |
| Q3 2024 | 14.79% | 14.79% | 15.78% | 10.27% | $145.5M |
| Q4 2024 | 14.56% | 14.56% | 15.53% | 10.34% | $150.2M |
| Q1 2025 | 14.75% | 14.75% | 15.70% | 10.25% | $151.9M |
| Q2 2025 | 15.19% | 15.19% | 16.14% | 10.01% | $151.4M |
| Q3 2025 | 15.20% | 15.20% | 16.15% | 10.24% | $156.3M |
| Q4 2025 | 14.79% | 14.79% | 15.76% | 10.16% | $164.3M |
| Q1 2026 | 15.15% | 15.15% | 16.12% | 10.08% | $166.0M |
| Q2 2026 | 15.72% | 15.72% | 16.70% | 10.24% | $165.1M |
The Clay City Banking Co. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Clay City Banking Co., freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Clay City Banking Co. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10845) · FFIEC NIC profile (RSSD 623548)