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 The Clay City Banking Co.
The Clay City Banking Co.
| RSSD ID 623548 | CERTIFICATE 10845 | ABA NUMBER 81212273 |
| 331 S Main St |
Quarter Ended : |
2025-12-31 |
| Clay City, Illinois, 62824 |
Updated : |
2026-01-13 |
| www.claycitybanking.bank |
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| Institution Profile |
| Year Opened : |
1892 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FDIC |
| Member Federal Reserve : |
No |
S-Corp : |
No |
| Fiduciary Powers : |
No |
Powers Exercised : |
No |
| Filing Type : |
051 |
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| Specialization : |
All Other Under 1 Billion |
| Number of Offices : |
4 |
Number of Employees : |
37 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 250,704 |
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Total Interest Income | 12,284 |
| Total Liabilities | 228,556 |
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Total NonInterest Income | 1,856 |
| Total Bank Equity Capital | 22,148 |
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Total Interest Expense | 4,333 |
| Total Deposits | 226,608 |
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Total NonInterest Expense | 6,099 |
| Net Loans & Leases | 162,061 |
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Net Income | 2,613 |
| Loan Loss Allowance | 1,573 |
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Net Charge Offs | 70 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 25,894 |
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Total loans | 159,911 |
| Total assets for the leverage ratio | 239,207 |
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Loans secured by real estate: | 114,975 |
| Tier 1 Leverage Ratio | 10.16 |
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Commercial and industrial loans | 23,045 |
| Tier 1 Capital Ratio | 14.79 |
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Loans to individuals - Credit Cards | 0 |
| Total Capital Ratio | 15.76 |
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Loans to individuals - Other | 4,832 |
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:· The Clay City Banking Co.
