Visbanking Logo
Skip to main content

The Clay City Banking Co

IDRSSD: 623548
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
90
/ 100
StrongAs of 2025-Q2QoQ -3

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q2

Bank #623548 2025-Q2 Vital Signs Score: 90/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

Liquidity:Strong
Securities:Strong
Capitalization:Strong
Asset Quality:Strong
Reserves:Stable

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.70% of assets (threshold 3%).

What changed this quarter

Compared to Q1 2025:
↓ -3 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↓ -4
  • Reserves
    ↓ -9

The five pillars

Liquidity

StrongQoQ -3
83
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 72.0%, cash 2.7% of assets.

Cash / Assets
2.70%
Loans / Deposits
72.02%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.70% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.84%
No watch items at this period.

Capitalization

StrongQoQ +1
100
Sub-score

Capital position is strong: Tier 1 RBC 15.19%, CET1 15.19%, leverage 10.01%.

Tier 1 RBC
15.19%
CET1
15.19%
Leverage
10.01%
No watch items at this period.

Asset Quality

StrongQoQ -4
94
Sub-score

Asset quality is strong: Adjusted NPL 0.67%, Texas Ratio 4.1%, NCO YTD 0.06%.

Adjusted NPL
0.67%
Govt-guarantees stripped
Texas Ratio
4.1%
NCO YTD
0.06%
30-89 PD
0.75%
Band 0.3% / 3.0%
90+ PD
0.31%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -9
68
Sub-score

Reserves are stable: ALLL 0.94% of loans, coverage 141.2%, true coverage 141.2%.

ALLL / Loans
0.94%
Coverage
141.2%
True Loss Coverage
141.2%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-14 08:35:25 UTC