The Clay City Banking Co. is a bank based in Clay City, Illinois, established in 1892, with $256 million in total assets across 4 branches. By Trust Grade it ranks 204th of 328 banks we track in Illinois. Its capital ratio of 8.9% trails most similarly sized banks (27th percentile), versus a Illinois median of 10.3%. It was profitable over the most recent period, with a 1.42% return on assets. No consumer complaints against The Clay City Banking Co. appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How The Clay City Banking Co. compares to Illinois peers
How we graded The Clay City Banking Co.
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (8.9% capital ratio)
- Strongly profitable (ROA 1.42%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for The Clay City Banking Co. over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (4)
- 207 Gary Hagen Drive, Flora, IL 62839
- 225 Route 45 North, Louisville, IL 62858
- 915 Commerce Dr, Fairfield, IL 62837
- 331 S Main St, Clay City, IL 62824
Are deposits at The Clay City Banking Co. insured?
Yes. The Clay City Banking Co. is an FDIC-insured bank (FDIC certificate #10845). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
The Clay City Banking Co.: frequently asked questions
Is The Clay City Banking Co. a good bank?
The Clay City Banking Co. earns a Bankzia Trust Grade of A (94/100, "Excellent"), based on a financial-strength score of 94/100 (it has no CFPB complaints on record). Well-capitalized (8.9% capital ratio); Strongly profitable (ROA 1.42%).
Is The Clay City Banking Co. FDIC-insured?
Yes. The Clay City Banking Co. is a FDIC-insured bank (FDIC certificate #10845). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is The Clay City Banking Co.?
The Clay City Banking Co. holds $256 million in total assets, ranking 204th of 328 banks we track in Illinois. It operates 4 branches.
Does The Clay City Banking Co. have CFPB complaints?
No CFPB complaints against The Clay City Banking Co. appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
