Bank · FDIC insured
The Clay City Banking Co.
A $253.3M bank headquartered in Clay City, IL, with 4 branches in Illinois. Best rates: CDs 4.06% and savings 1.21% APY.
The Clay City Banking Co. Carrot Score
83
Carrot Score
Higher than 62% of U.S. banks and credit unions
#87 of 281 in IllinoisHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About The Clay City Banking Co.
The Clay City Banking Company was established in 1892 by local citizens.
- Headquarters
- 331 S Main St, Clay City, IL 62824
- FDIC certificate
- 10845 ↗
Branches
4 branches in Illinois
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Illinois
4 branches
Clay City area · 1
- The Clay City Banking Co.Main office331 S Main St, Clay City, IL 62824Directions
Fairfield area · 1
- Fairfield Il Branch915 Commerce Dr, Fairfield, IL 62837Directions
Flora area · 1
- Flora Branch207 Gary Hagen Drive, Flora, IL 62839Directions
Louisville area · 1
- Louisville Branch225 Route 45 North, Louisville, IL 62858Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.24% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 1.09% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.40% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $71 | $81 | — |
- CapitalLeverage ratio10.24%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent1.09%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.40%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$71Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of The Clay City Banking Co. are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.