The Clay City Banking Co.: Deposit Base
Data as of · Call Report Schedules RC-E and RC-O How we update
How the bank is funded. Core deposits are the stable, mostly-insured relationship money; brokered and uninsured balances are the fastest to leave. The 2023 regional bank failures were runs on uninsured deposits, which is why that share now gets read first.
Noninterest-bearing share of deposits dropped 1.32 percentage points in Q2 2026, from 16.82% to 15.49%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, The Clay City Banking Co. is 163rd of 323 on total deposits, $227.8M as of Q2 2026, below the middle of the field. The Clay City Banking Co. reported $227.8M on total deposits for Q2 2026, 18% below the $277.3M median for banks in the $100M-1B asset tier.
Deposit totals
| Line item | Q2 2026 |
|---|---|
| Total deposits | $227.8M |
| Domestic office deposits | $227.8M |
| Foreign office deposits | — |
| Deposits to total assets | 89.92% |
| Deposits to total liabilities | 99.13% |
Deposit composition
| Line item | Q2 2026 |
|---|---|
| Demand deposits | $62.9M |
| Savings deposits | $31.8M |
| Transaction accounts to domestic deposits | 56.01% |
| Time deposits | $26K |
| Time deposits under $100k | $27.1M |
| Time deposits $100k to $250k | $17.5M |
| Time deposits over $250k | $13.8M |
| Noninterest-bearing share of deposits | 15.49% |
Stability of funding
| Line item | Q2 2026 |
|---|---|
| Core deposits | $214.0M |
| Core deposits to total deposits | 93.94% |
| Insured deposits | — |
| Uninsured deposits | — |
| Uninsured deposits to total deposits | — |
| Brokered deposits | $0 |
| Brokered deposits to total deposits | 0.00% |
Cost of deposits
| Line item | Q2 2026 |
|---|---|
| Cost of interest-bearing deposits | 2.18% |
| Interest expense on deposits | $1.0M |
| Loans and leases to core deposits | 75.78% |
Deposit Base trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Deposit Base by quarter
| Quarter | Total deposits | Core deposits | Brokered deposits | Cost of interest-bearing deposits |
|---|---|---|---|---|
| Q3 2023 | $189.9M | 96.41% | 0.00% | 2.29% |
| Q4 2023 | $195.2M | 94.60% | 0.00% | 2.56% |
| Q1 2024 | $199.1M | 94.48% | 0.00% | 2.63% |
| Q2 2024 | $197.3M | 94.34% | 0.00% | 2.72% |
| Q3 2024 | $195.7M | 94.58% | 0.00% | 2.75% |
| Q4 2024 | $198.9M | 94.38% | 0.00% | 2.71% |
| Q1 2025 | $209.7M | 94.65% | 0.00% | 2.49% |
| Q2 2025 | $207.8M | 94.64% | 0.00% | 2.45% |
| Q3 2025 | $210.8M | 94.45% | 0.00% | 2.48% |
| Q4 2025 | $226.6M | 94.71% | 0.00% | 2.42% |
| Q1 2026 | $231.3M | 93.73% | 0.00% | 2.22% |
| Q2 2026 | $227.8M | 93.94% | 0.00% | 2.18% |
The Clay City Banking Co. deposit base, all the way back
Deposit Base back to 2001 · peer percentiles on every line item · Excel export
Unlock The Clay City Banking Co., freeSource: Call Report Schedules RC-E and RC-O, 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)