The Clay City Banking Co.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Construction concentration (Tier 1 capital + allowance): 2.84 percentage points lower than in Q1 2026, at 20.36%. 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 Clay City Banking Co. reported 71.19% on loan-to-deposit ratio for Q2 2026, 9.65 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $162.2M |
| Net loans and leases | $160.6M |
| Loans held for sale | $0 |
| Loans to total assets | 64.01% |
| Loan-to-deposit ratio | 71.19% |
| Net loans to equity capital | 6.83% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 17.53% |
| Multifamily (5+ residential) | 1.12% |
| Commercial and industrial | 14.82% |
| Consumer | 3.00% |
| Credit cards | 0.00% |
| Farm | 10.23% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.59% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 78.94% |
| Construction concentration (Tier 1 capital + allowance) | 20.36% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.73% |
| Interest income on loans | $2.7M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $148.9M | $189.9M | 17.87% | 12.25% | 4.01% |
| Q4 2023 | $152.9M | $195.2M | 17.93% | 10.63% | 3.20% |
| Q1 2024 | $150.3M | $199.1M | 19.16% | 10.92% | 3.14% |
| Q2 2024 | $148.7M | $197.3M | 19.07% | 10.52% | 3.13% |
| Q3 2024 | $146.9M | $195.7M | 18.74% | 11.10% | 3.13% |
| Q4 2024 | $152.0M | $198.9M | 18.56% | 11.10% | 2.99% |
| Q1 2025 | $149.4M | $209.7M | 19.08% | 11.40% | 3.01% |
| Q2 2025 | $151.0M | $207.8M | 18.32% | 12.25% | 3.20% |
| Q3 2025 | $157.5M | $210.8M | 17.40% | 13.88% | 3.19% |
| Q4 2025 | $163.8M | $226.6M | 16.33% | 14.36% | 2.84% |
| Q1 2026 | $161.9M | $231.3M | 16.69% | 14.09% | 2.87% |
| Q2 2026 | $162.2M | $227.8M | 17.53% | 14.82% | 3.00% |
The Clay City Banking Co. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Clay City Banking Co., freeSource: Call Report Schedule RC-C, 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)