CLAY BANCSHARES INC is the bank holding company. FLORA BANK & TRUST is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the holding company level.
Bank Holding Company
CLAY BANCSHARES INC
Legal name: CLAY BANCSHARES, INC
1 active bank · $125M combined assets
RSSD ID: 2186186 (FFIEC NIC)
Combined Assets
$125M
CRA Rating Summary
Outstanding1charter
Across all 3 exams on record for this holding company's charters, 100% resulted in Outstanding or Satisfactory.
At a Glance
Dominant CRA Rating
Outstanding
1 of 1 bank · Exceeds expectations for community lending
Combined Assets
$125M
1 active bank
Financial Summary
FDIC Call ReportsAggregated from the most recent call report filings for all active charters.
Total Deposits
$116M
Net Income
$257K
ROA (avg)
0.84%
asset-weighted avg
Active Bank Charters1
Each charter is examined independently for CRA compliance.
| Charter | Location | Regulator | Assets | Ownership | Current Rating | Exam Date |
|---|---|---|---|---|---|---|
| FLORA BANK & TRUST | FLORA, IL | FDIC | $125M | 100.0% | Outstanding | Jan 1996 |
CRA (Community Reinvestment Act) exams are conducted per charter, not per holding company. Asset figures are from the most recent FDIC call report.