Banks | The Clay City Banking Co.
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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 - June 07, 2026

SAVINGS RATES APY MIN
SAV
0.50% $0 Compare
SAV
0.60% $1 Compare
CD RATES APY MIN
3 Mo CD
3.03% $1,000 Compare
6 Mo CD
3.14% $1,000 Compare
7 Mo CD
3.55% $1,000 Compare
12 Mo CD
3.34% $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
3.34% $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 2026

General Bank Information

FDIC Insured Yes
FDIC Certificate # 10845
Date Established 1892
Assets $ 250.70 million
Loans $ 162.22 million
Deposits $ 226.61 million
Capital $ 22.15 million

Summary Balance Sheet as of December 31, 2025

ASSETS
Cash & Balances due from depository institutions $ 5.41 million
Interest-bearing balances $ 3.01 million
Total securities $ 45.71 million
Federal funds sold and reverse repurchase $ 25.12 million
Net loans and leases $ 162.22 million
Loan loss allowance $ 1.57 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.07 million
Goodwill and other intangibles N.A.
All other assets $ 5.33 million
     Total Assets $ 228.56 million

LIABILITIES
Total deposits $ 226.61 million
      Interest-bearing deposits $ 186.60 million
      Deposits held in domestic offices $ 226.61 million
      % insured (estimated)" 75.98%
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 $ 228.56 million
      Shareholders’ Equity $ 22.15 million

Summary Income Statement as of December 31, 2025

INCOME AND EXPENSES
Total Interest Income $ 12.28 million
Total Interest Expense $ 4.33 million
Net interest income $ 7.95 million
Provision for loan and lease losses $ 0.20 million
Total non interest income $ 1.86 million
Total non interest expense $ 6.10 million
Pre-tax Net Operating Income $ 2.02 million

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