The Clay City Banking Co.: how it compares with its peers
Against 145 IL banks with half to twice its assets, The Clay City Banking Co.'s strongest measure in Q2 2026 is efficiency ratio (55.88% vs. a 64.64% peer median). Its weakest relative measure is assets per employee ($6.8M vs. $6.5M).
| Measure | The Clay City Banking Co. | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.40% | 1.19% | Top third Ahead of 67% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.89% | 3.73% | Middle third Ahead of 62% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 55.88% | 64.64% | Top third Ahead of 74% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.8M | $6.5M | Middle third Ahead of 57% of peers |
| Loans to deposits Net loans and leases over total deposits. | 70.50% | 75.45% | Context |
What it means for lending operations
Its efficiency ratio of 55.88% is better than the 64.64% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Raritan State Bank Raritan, IL · $254M
- Security Bank, s.b. Springfield, IL · $244M
- BankChampaign, National Association Champaign, IL · $243M
- Security Savings Bank Monmouth, IL · $241M
- PeopleFirst Bank Joliet, IL · $266M
- First Bank of Manhattan Manhattan, IL · $266M
Questions about The Clay City Banking Co.
How big is The Clay City Banking Co.?
The Clay City Banking Co., established in 1892, is headquartered in Clay City, IL. It reported $253M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is The Clay City Banking Co.'s return on assets?
1.40% annualized in Q2 2026, against a 1.19% median for 145 IL banks with half to twice its assets, ahead of 67% of them.
What is The Clay City Banking Co.'s efficiency ratio?
55.88% in Q2 2026: it spent about 56 cents in noninterest expense for each dollar of revenue. The peer median is 64.64%, and lower is better.
Is The Clay City Banking Co. growing its loans?
Net loans grew 7.3% over the year to Q2 2026, while deposits grew 9.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Illinois bank ranked.