The Clay City Banking Co.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Clay City Banking Co. of Clay City, IL against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.38% | 1.34% | +0.04% | 57th above |
| ROAE | 15.17% | 13.31% | +1.86% | 67th above |
| Net Interest Margin | 3.87% | 3.93% | -0.06% | 47th below |
| Efficiency Ratio | 56.30% | 61.14% | -4.84% | 65th above |
| PPNR / Avg Assets | 1.96% | 1.68% | +0.28% | 71st above |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.59% | 5.67% | -0.08% | 50th above |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.82% | 1.88% | -0.06% | 48th below |
| Net Interest Spread | 3.41% | 3.32% | +0.09% | 54th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.06% | 0.94% | +0.12% | 27th below |
| NPA / Total Assets | 0.71% | 0.70% | +0.01% | 29th below |
| NCO / Avg Loans | 0.18% | 0.16% | +0.02% | 13th bottom |
| ACL / Total Loans | 0.96% | 1.28% | -0.32% | 22nd bottom |
| ACL / NPLs (Coverage) | 91.25% | 1539.06% | -1447.81% | 25th below |
| Texas Ratio | 7.34% | 7.33% | +0.01% | 30th below |
| Provision / NCO | 88.89% | 1395.98% | -1307.09% | 37th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.72% | 19.50% | -3.78% | 55th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.72% | 19.54% | -3.82% | 55th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 16.70% | 20.62% | -3.92% | 54th above |
| Leverage Ratio | 10.24% | 12.14% | -1.90% | 37th below |
| Equity / Assets | 9.29% | 11.37% | -2.08% | 32nd below |
| TCE / Tangible Assets | 9.29% | 11.09% | -1.80% | 36th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 71.19% | 80.64% | -9.45% | 68th above |
| Core Deposit Ratio | 93.94% | 86.86% | +7.08% | 79th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 10.17% | 6.85% | +3.32% | 83rd top |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.36% | 7.90% | -0.54% | 62nd above |
| Deposit Growth (Y/Y) | 9.64% | 6.29% | +3.35% | 81st top |
See The Clay City Banking Co.'s peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Clay City Banking Co., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The Clay City Banking Co. profile, how to read a UBPR, or how this data updates.