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The Clay City Banking Co.
Clay City, IL · FDIC Certificate #10845 · Chartered 07/0
Total assets
$253.33M
Total deposits
$227.79M
Total equity
$23.53M
Net loans
$160.60M
Branches (offices)
4
Net income (YTD)
$1.78M
Rank: #2,696 of 4,213 U.S. banks by assets · #171 of 322 in Illinois. Assets changed 10.2% and deposits 9.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.40% |
| Return on equity | 15.61% |
| Net interest margin (YTD) | 3.89% |
| Equity to assets | 9.29% |
| Tier 1 leverage ratio | 10.24% |
| Uninsured deposits (share of deposits) | 22.0% |
| Noncurrent loans (share of loans) | 1.09% |
| Net charge-offs (share of loans) | 0.10% |
| Loans to deposits | 70.5% |
| Real estate loans (share of loans) | 71.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $115.05M | 71.6% | |
| Commercial & industrial | $24.03M | 15.0% | |
| Consumer / individual | $4.87M | 3.0% | |
| Construction & development | $5.60M | 3.5% | |
| Agricultural | $15.63M | 9.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $205.51M | $188.94M | $1.49M | $15.23M |
| Jun 2023 | $210.07M | $193.10M | $808.00K | $15.80M |
| Jun 2024 | $215.96M | $197.29M | $789.00K | $17.21M |
| Jun 2025 | $229.94M | $207.76M | $1.23M | $20.20M |
| Jun 2026 | $253.33M | $227.79M | $1.78M | $23.53M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $227.79M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $227.79M.
Similar-sized banks
Union Bank And Trust Company ($253.44M) · Genubank ($253.24M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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