CLAY CITY BANKING CO
CLAY CITY, ILLINOIS · FDIC Cert #10845
Capital & Safety Analysis
According to FDIC financial data, CLAY CITY BANKING CO holds a Tier 1 capital ratio of 14.28%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning CLAY CITY BANKING CO has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
CLAY CITY BANKING CO shows strong financial health indicators. With $216M in assets and a Health Score of 84/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
CLAY CITY BANKING CO has a Bank Health Score of A (84/100). It holds a Tier 1 capital ratio of 14.28%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
CLAY CITY BANKING CO holds $216M in total assets and $197M in total deposits. It is located in CLAY CITY, ILLINOIS (FDIC Certificate #10845).
CLAY CITY BANKING CO has a Tier 1 capital ratio of 14.28%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 0.56%, and the return on assets is 0.96%.
Yes. CLAY CITY BANKING CO is FDIC-insured (Certificate #10845). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.