CLAY BANCSHARES INC is the parent banking group. FLORA BANK & TRUST is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the group 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 banking group's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankFLORA BANK & TRUSTFLORA, ILOutstanding$125MView profile →

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 Reports

Aggregated 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 banking group. Asset figures are from the most recent FDIC call report.