The Clay City Banking Co.: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Fed funds sold and reverse repos to assets dropped 2.48 percentage points in Q2 2026, from 10.64% to 8.16%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, The Clay City Banking Co. is 197th of 323 on loan-to-deposit ratio, 71.19% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Clay City Banking Co. sits 9.65 points lower, at 71.19% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $27.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $80.7M |
| Fed funds sold and reverse repos | $20.7M |
| Fed funds sold and reverse repos to assets | 8.16% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 71.19% |
| Net loans and leases to deposits | 70.50% |
| Loans and leases to core deposits | 75.78% |
| Core deposits to total deposits | 93.94% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 78.43% | 96.41% | $0 | $0 |
| Q4 2023 | 78.34% | 94.60% | $0 | $0 |
| Q1 2024 | 75.48% | 94.48% | $0 | $0 |
| Q2 2024 | 75.37% | 94.34% | $0 | $0 |
| Q3 2024 | 75.06% | 94.58% | $0 | $0 |
| Q4 2024 | 76.43% | 94.38% | $0 | $0 |
| Q1 2025 | 71.26% | 94.65% | $0 | $0 |
| Q2 2025 | 72.70% | 94.64% | $0 | $0 |
| Q3 2025 | 74.73% | 94.45% | $0 | $0 |
| Q4 2025 | 72.28% | 94.71% | $0 | $0 |
| Q1 2026 | 69.99% | 93.73% | $0 | $0 |
| Q2 2026 | 71.19% | 93.94% | $0 | $0 |
The Clay City Banking Co. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Clay City Banking Co., freeSource: Call Report Schedules RC and RC-M, 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)