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The Clay City Banking Co.


The Clay City Banking Co. is an FDIC insured institution headquartered at 331 S Main St, Clay City, IL 62824.
It was founded in 1892 and has approximately $0 billion in assets. Customers can open an account at one of its 4 branches.

Deposit Rates - December 08, 2025

SAVINGS RATES APY MIN
SAV
0.50% $0 Compare
SAV
0.60% $1 Compare
CD RATES APY MIN
3 Mo CD
3.29% $1,000 Compare
6 Mo CD
3.39% $1,000 Compare
7 Mo CD
3.80% $1,000 Compare
12 Mo CD
3.44% $1,000 Compare
18 Mo CD
3.24% $1,000 Compare
24 Mo CD
4.22% $500 Compare
24 Mo CD
3.24% $1,000 Compare
30 Mo CD
3.29% $1,000 Compare
48 Mo CD
3.29% $1,000 Compare
60 Mo CD
3.34% $1,000 Compare
MM RATES APY MIN
Money Market
1.21% $0 Compare
Money Market
1.00% $2,500 Compare
Money Market
1.11% $10,000 Compare
Money Market
1.45% $25,000 Compare
Money Market
1.36% $25,001 Compare
Money Market
1.60% $100,000 Compare
Money Market
2.00% $250,000 Compare
FIXED IRA RATES APY MIN
12 Mo FIRA
3.44% $1,000
18 Mo FIRA
3.24% $1,000
30 Mo FIRA
3.29% $1,000
VARIABLE IRA RATES APY MIN
VIRA
3.24% $1,000
INT CHECKING RATES APY MIN
INTCK
0.75% $1,000
INTCK
0.60% $1,001
INTCK
0.70% $5,000

Overview 2025

General Bank Information

FDIC Insured Yes
FDIC Certificate # 10845
Date Established 1892
Assets $ 229.94 million
Loans $ 149.63 million
Deposits $ 207.76 million
Capital $ 20.20 million

Summary Balance Sheet as of June 30, 2025

ASSETS
Cash & Balances due from depository institutions $ 6.20 million
Interest-bearing balances $ 3.00 million
Total securities $ 46.03 million
Federal funds sold and reverse repurchase $ 16.26 million
Net loans and leases $ 149.63 million
Loan loss allowance $ 1.42 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 5.33 million
     Total Assets $ 209.74 million

LIABILITIES
Total deposits $ 207.76 million
      Interest-bearing deposits $ 176.47 million
      Deposits held in domestic offices $ 207.76 million
      % insured (estimated)" 78.35%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 1.35 millionn
      Total Liabilities $ 209.74 million
      Shareholders’ Equity $ 20.20 million

Summary Income Statement as of June 30, 2025

INCOME AND EXPENSES
Total Interest Income $ 5.85 million
Total Interest Expense $ 2.14 million
Net interest income $ 3.72 million
Provision for loan and lease losses $ 0.04 million
Total non interest income $ 0.89 million
Total non interest expense $ 2.91 million
Pre-tax Net Operating Income $ 2.02 million

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Branches

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The Clay City Banking Co. Locations

Savings Comparison

This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis."

PRODUCT
BANK
BANK TYPE
STATE
AMOUNT
TERM
APY
VS.NATL'L AV.
MIN
MILES

Tax Rate: 30%

All calculations are for demonstration purposes only."

  • 1
    LOCAL SAVINGS
    The Clay City Banking Co.
    Bank
    -
    $50,000
    N.A.
    0.50%
    2.21x (National Avg. - 0.23%)
    $0
    -
    SCENARIO
    Year Rate
    0.50%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 250 175
    2 50,250 251 176
    3 50,501 253 177
    4 50,754 254 178
    5 51,008 255 179
    6 51,263 256 179
    7 51,519 258 180
    8 51,776 259 181
    9 52,035 260 182
    10 52,296 261 183
    11 52,557 263 184
    12 52,820 264 185
    13 53,084 265 186
    14 53,349 267 187
    15 53,616 268 188
    16 53,884 269 189
    17 54,154 271 190
    18 54,424 272 190
    19 54,696 273 191
    20 54,970 275 192
    TOTAL $5,245 $3,671
  • 2
    ONLINE SAVINGS
    First Foundation Bank , ★ TOP PICK ★
    Bank
    -
    $50,000
    N.A.
    4.00%
    17.70x (National Avg. - 0.23%)
    $1,000
    -
    SCENARIO
    Year Rate
    4.00%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,000 1,400
    2 52,000 2,080 1,456
    3 54,080 2,163 1,514
    4 56,243 2,250 1,575
    5 58,493 2,340 1,638
    6 60,833 2,433 1,703
    7 63,266 2,531 1,771
    8 65,797 2,632 1,842
    9 68,428 2,737 1,916
    10 71,166 2,847 1,993
    11 74,012 2,960 2,072
    12 76,973 3,079 2,155
    13 80,052 3,202 2,241
    14 83,254 3,330 2,331
    15 86,584 3,463 2,424
    16 90,047 3,602 2,521
    17 93,649 3,746 2,622
    18 97,395 3,896 2,727
    19 101,291 4,052 2,836
    20 105,342 4,214 2,950
    TOTAL $59,556 $41,689


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