The Clay City Banking Co.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 12.74 percentage points lower than in Q1 2026, at 91.25%. Within Illinois, The Clay City Banking Co. is 120th of 323 on return on assets, 1.38% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. The Clay City Banking Co. sits 0.13 points higher, at 1.38% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.72% |
| Tier 1 risk-based capital ratio | 15.72% |
| Total risk-based capital ratio | 16.70% |
| Tier 1 leverage ratio | 10.24% |
| Equity capital to assets | 9.29% |
| Tangible equity to tangible assets | 9.29% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.06% |
| Non-performing assets ratio | 0.71% |
| Net charge-off ratio | 0.18% |
| Texas ratio | 7.34% |
| Allowance for credit losses to loans | 0.96% |
| Reserve coverage of non-performing loans | 91.25% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.38% |
| Return on equity | 15.17% |
| Net interest margin | 3.87% |
| Efficiency ratio | 56.30% |
| Yield on earning assets | 5.59% |
| Cost of funds | 1.82% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 71.19% |
| Core deposits to total deposits | 93.94% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.92% |
| Securities to assets | 21.00% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.96% | 13.96% | 14.86% | 10.10% | 0.83% |
| Q4 2023 | 13.67% | 13.67% | 14.57% | 10.08% | -0.16% |
| Q1 2024 | 14.01% | 14.01% | 14.97% | 9.91% | 0.75% |
| Q2 2024 | 14.28% | 14.28% | 15.27% | 9.90% | 0.75% |
| Q3 2024 | 14.79% | 14.79% | 15.78% | 10.27% | 1.03% |
| Q4 2024 | 14.56% | 14.56% | 15.53% | 10.34% | 0.78% |
| Q1 2025 | 14.75% | 14.75% | 15.70% | 10.25% | 1.07% |
| Q2 2025 | 15.19% | 15.19% | 16.14% | 10.01% | 1.12% |
| Q3 2025 | 15.20% | 15.20% | 16.15% | 10.24% | 1.30% |
| Q4 2025 | 14.79% | 14.79% | 15.76% | 10.16% | 1.06% |
| Q1 2026 | 15.15% | 15.15% | 16.12% | 10.08% | 1.45% |
| Q2 2026 | 15.72% | 15.72% | 16.70% | 10.24% | 1.38% |
The Clay City Banking Co. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Clay City Banking Co., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)