🏦Bank Scorer

THE CLAY CITY BANKING CO.

CLAY CITY, IL · Supervised by FDIC

Est. 1892FDIC #10,845RSSD: FDIC-10845
Part ofCLAY CITY BANK SHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: October 2021

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.42%

Institution Profile

FDIC BankFind

Address

331 S Main St, CLAY CITY, IL

County

Clay County

Established

July 5, 1892

Total Assets

$256M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

October 1, 2021

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Oct 2026(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$256M

Total Deposits

$231M

Net Loans

$160M

Net Income

$902K

ROA

1.42%

ROE

16.10%

Risk-Based Capital

16.12%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

4

Branch Deposits

$208M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

7 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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