BlastPoint's Banking Scorecard

The Clay City Banking Co.

$100M-$1B Specialty: Other IL FDIC cert 10845

Clay City, IL

4 branches across IL

2664 banks in the $100M-$1B peer group nationally 211 in IL

The Clay City Banking Co. has 2 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ ROA 0.15% above tier average
+ Efficiency Ratio 10.22% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.09% below tier average
- Delinquency Rate 0.26% above tier average

Get updates when The Clay City Banking Co. releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$256.2M +10.8% YoY +2.2% QoQ	-$129.8M	$386.1M +0.5% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	38%
Total Loans ?	$160.3M +8.3% YoY -1.2% QoQ	-$95.4M	$255.7M +1.1% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	39%
Total Deposits ?	$231.3M +10.3% YoY +2.1% QoQ	-$96.7M	$328.0M +0.1% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	41%
Return on Assets ?	1.42% +37.6% YoY +26.9% QoQ	+0.15%	1.27% +12.9% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	63%
Net Interest Margin ?	3.84% +12.0% YoY +5.0% QoQ	-0.09%	3.93% +6.0% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	49%
Efficiency Ratio ?	55.07% -14.4% YoY -11.5% QoQ	-10.22%	65.29% -4.5% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	73%
Delinquency Rate ?	1.15% +118.7% YoY +22.1% QoQ	+0.26%	0.89% +18.8% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	25%
Loan-to-Deposit Ratio ?	69.31% -1.8% YoY -3.2% QoQ	-7.33%	76.64% +0.8% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	68%
Non-Interest-Bearing Deposit Share ?	16.82% +3.3% YoY -4.8% QoQ	-5.20%	22.02% -1.0% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	31%
Nonperforming Asset Ratio ?	0.75% +112.7% YoY +17.9% QoQ	+0.11%	0.64% +19.7% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	28%
Tier 1 Capital Ratio ?	15.15% +2.7% YoY +2.5% QoQ	-0.68%	15.83% +1.5% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	67%
Non-Interest Income / Assets ?	0.20% +12.8% YoY -72.4% QoQ	-0.08%	0.28% +9.3% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	Top 13.2% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (1 metrics)

352

Non-Interest Income / Assets

revenue_mix

Value: 0.20%

Peer Median: 0.28%

#352 of 2664 Top 13.2% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available