The Clay City Banking Co.
Clay City, IL
IDRSSD: 623548
Total Assets
$256.23M
Latest filing
Total Deposits
$231.31M
Latest filing
Net Interest Margin
3.84%
Profitability
Key People
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Locations
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Main Office
The Clay City Banking Co.
331 S Main St
Clay City, IL 62824
Full Service - Brick and Mortar
Updated 04/10/2026Established 07/05/1892FDIC Certificate 6938
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| The Clay City Banking Co. (Main) | 331 S Main St | Clay City, IL |
| FLORA BRANCH | 207 Gary Hagen Drive | Flora, IL |
| LOUISVILLE BRANCH | 225 Route 45 North | Louisville, IL |
| FAIRFIELD IL BRANCH | 915 Commerce Dr | Fairfield, IL |
Showing 3 of 3
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 07/05/1892 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 62824 |
| State and County Number | 17025 |
| Subchapter S Corporations | No |
| Trust Powers | Trust Powers Not Granted |
| Federal Reserve ID Number | 08 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 37 |
| Domestic Offices | 4 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 03/21/2025 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.claycitybanking.bank |
| Data Updated | 04/10/2026 |
| CERT | 10845 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $256.23M |
| Total Deposits | $231.31M |
| Total Liabilities | $233.56M |
| Total Equity Capital | $22.68M |
| Net Income | $902.00k |
| Net Loans and Leases | $160.31M |
| Assets Per Employee ($Millions) | $6.93M |
| Bank Premises and Fixed Assets | $5.00M |
| Cash and Balances due from Depository Institutions | $6.47M |
| Deposits Held in Domestic Offices | $231.31M |
Key Performance Ratios
| Return on Assets (ROA) | 1.42% |
| Return on Equity (ROE) | 16.1% |
| Net Interest Margin | 3.84% |
| Efficiency Ratio | 55.07% |
| Tier 1 Risk-Based Capital Ratio | 15.149% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.05% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.85% |
| Earning Assets to total Assets | 93.86% |
Income and Expense
| Total Interest Income | $3.34M |
| Total Noninterest Income | $524.00k |
| Total Interest Expense | $1.05M |
| Total Noninterest Expense | $1.55M |
| Net Interest Income | $2.29M |
| Pre-tax Net Operating Income | $1.23M |
| Provision for Credit Losses | $30.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $83.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $27.27M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.25M |
| Total Liabilities and Capital | $256.23M |
Securities
| Securities | $49.66M |
| Available-for-sale debt securities | $49.66M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The Clay City Banking Co.?
$256.23M as of the latest filing.
How much are The Clay City Banking Co.'s total deposits?
$231.31M in total deposits.
Where is The Clay City Banking Co. located?
Clay City, IL.
What is the Net Interest Margin?
3.84%.
How many domestic offices does it operate?
4.
When was it established?
07/05/1892.
What is the Return on Assets (ROA)?
1.42%.
How much are total loans and leases?
$160.31M (latest filing).
What is the total interest income (latest filing)?
$3.34M.