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The Clay City Banking Co.

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

Clay City, IL

4 branches across IL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 211 in IL.
  • Deposits +9.6% year over year ($227.8M on the books).
  • Delinquency rate 1.10%.
  • Return on assets 1.40%.
  • Efficiency ratio 55.88% vs a 64.48% peer average.
  • Loan-to-deposit ratio 70.50% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 211 in IL
View $100M-$1B leaderboard (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 0.08% above tier average
  • + Efficiency Ratio 8.60% below tier average

Key Concerns

Areas that may need attention

  • - Net Interest Margin 0.10% below tier average
  • - Delinquency Rate 0.18% above tier average
Get updates when The Clay City Banking Co. releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Total Assets ? $253.3M
+10.2% YoY -1.1% QoQ
-$133.2M $386.6M
+1.2% YoY
$2.4B
+4.3% YoY
$6.3B
+7.7% YoY
37%
Total Loans ? $160.6M
+7.3% YoY +0.2% QoQ
-$97.7M $258.3M
+1.7% YoY
$1.3B
+4.4% YoY
$3.2B
+9.4% YoY
38%
Total Deposits ? $227.8M
+9.6% YoY -1.5% QoQ
-$98.9M $326.7M
+0.7% YoY
$1.9B
+3.7% YoY
$4.9B
+7.3% YoY
40%
Return on Assets ? 1.40%
+29.5% YoY -1.4% QoQ
+0.08% 1.32%
+10.8% YoY
1.12%
+2.8% YoY
1.30%
+12.1% YoY
59%
Net Interest Margin ? 3.89%
+10.1% YoY +1.2% QoQ
-0.10% 3.99%
+5.0% YoY
3.68%
+7.2% YoY
3.95%
+4.9% YoY
47%
Efficiency Ratio ? 55.88%
-11.6% YoY +1.5% QoQ
-8.60% 64.48%
-3.2% YoY
63.11%
-4.5% YoY
70.05%
+2.5% YoY
70%
Delinquency Rate ? 1.10%
+63.7% YoY -4.7% QoQ
+0.18% 0.92%
+15.7% YoY
1.19%
+6.2% YoY
0.98%
+16.3% YoY
26%
Loan-to-Deposit Ratio ? 70.50%
-2.1% YoY +1.7% QoQ
-7.45% 77.95%
+1.0% YoY
72.86%
+0.7% YoY
79.03%
+2.3% YoY
69%
Non-Interest-Bearing Deposit Share ? 15.49%
+2.9% YoY -7.9% QoQ
-6.54% 22.03%
-0.6% YoY
20.01%
-0.1% YoY
21.98%
-0.6% YoY
26%
Nonperforming Asset Ratio ? 0.73%
+66.9% YoY -3.2% QoQ
+0.06% 0.67%
+16.4% YoY
0.81%
+6.3% YoY
0.69%
+15.8% YoY
29%
Tier 1 Capital Ratio ? 15.72%
+3.5% YoY +3.8% QoQ
-0.18% 15.91%
+1.4% YoY
17.17%
+1.3% YoY
17.09%
+0.8% YoY
71%
Non-Interest Income / Assets ? 0.42%
+7.8% YoY +103.1% QoQ
-0.15% 0.57%
+7.6% YoY
0.68%
+1.1% YoY
0.66%
+5.2% YoY
Top 13.6% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Noninterest-Bearing 15.5%
+0.4pp YoY
-1.3pp QoQ
 -6.7pp 22.1% 20.1% 22.2% 26%
Brokered Deposits n/a n/a 7.9% 8.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
C&I 15.0%
+2.6pp YoY
+0.7pp QoQ
 +3.4pp 11.6% 14.7% 12.5% 76%
CRE 22.3%
-1.0pp YoY
+0.5pp QoQ
 -17.2pp 39.5% 37.9% 41.4% 22%
1-4 Family 39.0%
+0.4pp YoY
+0.5pp QoQ
 +6.4pp 32.6% 28.3% 31.3% 68%
Consumer 3.0%
-0.2pp YoY
+0.1pp QoQ
 -1.1pp 4.1% 5.4% 5.0% 60%

Capital

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
CET1 Ratio 15.7%
+0.5pp YoY
+0.6pp QoQ
 -3.1pp 18.8% 19.9% 19.7% 56%
Leverage Ratio 10.2%
+0.2pp YoY
+0.2pp QoQ
 -1.9pp 12.2% 12.2% 12.6% 36%
Total Capital Ratio 16.7%
+0.6pp YoY
+0.6pp QoQ
 -3.2pp 19.9% 20.9% 20.8% 54%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Full-Time Employees 37
+1 (+2.8%) YoY
0 QoQ
 -22 58 228 482 37%
Assets per Employee ($) $6.8M
+7.2% YoY
-1.1% QoQ
 -$671K $7.5M $8.3M $8.8M 49%
Branch Count 4
0 YoY
0 QoQ
 -1 4 10 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Past Due 90+ Days 0.0%
-0.3pp YoY
-0.2pp QoQ
 -0.3pp 0.3% 0.4% 0.4% 30%
Nonaccrual 1.1%
+0.7pp YoY
+0.1pp QoQ
 +0.1pp 0.9% 1.1% 1.0% 73%
Allowance Coverage 0.89x
-37.1% YoY
+3.0% QoQ
 -23.26x 24.15x 5.62x 20.23x 23%
Net Charge-off Rate (YTD) 0.1%
0.0pp YoY
+0.1pp QoQ
 0.0pp 0.1% 0.1% 0.2% 76%

Profitability

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
ROE 15.6%
+2.9pp YoY
-0.5pp QoQ
 +3.4pp 12.2% 10.5% 11.6% 71%
Cost of Funds (YTD) 1.8%
-0.3pp YoY
0.0pp QoQ
 0.0pp 1.7% 1.6% 1.7% 55%
Net Income ($, YTD) $1.8M
+44.8% YoY
— QoQ
 -$777K $2.6M $11.7M $40.4M 48%

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

360
Non-Interest Income / Assets
revenue_mix
Value: 0.42%
Peer Median: 0.57%
#360 of 2643 Top 13.6% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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