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The Clay City Banking Co

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

Vital Signs Report — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
85
/ 100
StrongAs of 2026-Q1QoQ -3

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

Quarterly Headline

2026-Q1

Bank #623548 2026-Q1 Vital Signs Score: 85/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.52% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2025:
↓ -3 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↓ -9
  • Reserves
    ↓ -10

The five pillars

Liquidity

StrongQoQ +2
83
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 69.3%, cash 2.5% of assets.

Cash / Assets
2.52%
Loans / Deposits
69.31%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.52% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.68%
No watch items at this period.

Capitalization

StrongQoQ +1
100
Sub-score

Capital position is strong: Tier 1 RBC 15.15%, CET1 15.15%, leverage 10.08%.

Tier 1 RBC
15.15%
CET1
15.15%
Leverage
10.08%
No watch items at this period.

Asset Quality

StrongQoQ -9
84
Sub-score

Asset quality is strong: Adjusted NPL 1.15%, Texas Ratio 6.9%, NCO YTD 0.02%.

Adjusted NPL
1.15%
Govt-guarantees stripped
Texas Ratio
6.9%
NCO YTD
0.02%
30-89 PD
1.79%
Band 0.3% / 3.0%
90+ PD
0.20%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -10
51
Sub-score

Reserves are deteriorating: ALLL 0.98% of loans, coverage 86.3%, true coverage 86.3%.

ALLL / Loans
0.98%
Coverage
86.3%
True Loss Coverage
86.3%
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