The Clay City Banking Co.

Overview / Commentary

www.claycitybanking.bank

618-676-1511

331 S. Main St
Clay City, IL 62824

The Clay City Banking Co. is headquartered in Clay City and is the 204^th largest bank in the state of Illinois. It is also the 3,028^th largest bank in the nation. It was established in 1892 and as of March of 2022, it had grown to 35 employees at 4 locations. The Clay City Banking Co.'s money market rates are 82% higher than the national average, and it has an A health rating.

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Health

Data as of Q1 2022

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Health Grade Components

Overall
FDIC Certificate #	10845
Year Established	1892
Employees	35
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.46%
Return on Equity - YTD	18.05%
Annual Interest Income	$1.9MM

Assets and Liabilities
Assets	Q1 2022vs Q1 2021	$212.2MM$187.5MM
Loans	Q1 2022vs Q1 2021	$126.0MM$123.6MM
Deposits	Q1 2022vs Q1 2021	$191.7MM$166.8MM
Equity Capital	Q1 2022vs Q1 2021	$15.9MM$16.2MM
Loan Loss Allowance	Q1 2022vs Q1 2021	$1.0MM$1.0MM
Unbacked Noncurrent Loans	Q1 2022vs Q1 2021	$525.00K$3.2MM
Real Estate Owned	Q1 2022vs Q1 2021	$0$101.00K

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

The Clay City Banking Co. Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.25%	-	-	Hometown Saver
0.18%^*	$25k^*	-	Health Savings Account
OTHER TIERS: 0.10% → Up to $10k \| 0.15% → $10k - $25k
0.10%	-	-	Savings Account
0.10%	-	-	Business Savings Account

The Clay City Banking Co. Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.80%^*	$250k^*	-	Hometown Money Market Deposit Account
OTHER TIERS: 0.25% → Up to $25k \| 0.35% → $25k - $100k \| 0.55% → $100k - $250k
0.35%^*	$25k^*	-	Money Market
OTHER TIERS: 0.20% → $2.5k - $10k \| 0.30% → $10k - $25k
0.35%^*	$25k^*	-	Business Money Market Account
OTHER TIERS: 0.20% → $2.5k - $10k \| 0.30% → $10k - $25k

The Clay City Banking Co. Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.01%^*	-	$25k	Hometown Rewards with Interest
OTHER TIERS: 0.25% → $25k+
0.20%	$1k	-	1892 Founder's Club Checking
0.15%^*	$5k^*	-	Checking Plus
OTHER TIERS: 0.10% → $1k - $5k
0.15%^*	$5k^*	-	Business Checking Plus
OTHER TIERS: 0.10% → $1k - $5k

The Clay City Banking Co. CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.61%	$1k	-	60 Month CD
1.61%	$1k	-	Business 60 Month CD
1.51%	$1k	-	48 Month CD
1.51%	$1k	-	Business 48 Month CD
1.31%	$1k	-	30 Month CD
1.31%	$1k	-	Business 30 Month CD
1.31%	$500	-	24 Month Hometown Freedom CD Special
1.21%	$1k	-	Business 24 Month CD
1.21%	$1k	-	24 Month CD
1.00%	$1k	-	18 Month CD
1.00%	$1k	-	Business 18 Month CD
0.90%	$1k	-	12 Month CD
0.90%	$1k	-	Business 12 Month CD
0.60%	$1k	-	6 Month CD
0.60%	$1k	-	Business 6 Month CD
0.50%	$1k	-	3 Month CD
0.50%	$1k	-	Business 3 Month CD
0.35%	$1k	-	1 Month CD
0.35%	$1k	-	Business 1 Month CD

The Clay City Banking Co. IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.41%	$1k	-	30 Month Fixed IRA
1.41%	$1k	-	30 Month Fixed SEP IRA
1.10%	$1k	-	18 Month Variable IRA
1.10%	$1k	-	18 Month Fixed IRA
1.10%	$1k	-	18 Month Fixed SEP IRA
1.10%	$1k	-	18 Month Variable SEP IRA
1.00%	$1k	-	12 Month Fixed IRA
1.00%	$1k	-	12 Month Fixed SEP IRA

Locations

The Clay City Banking Co. Locations
Flora Branch	207 Gary Hagen Drive	Flora, IL 62839
Louisville Branch	225 Route 45 North	Louisville, IL 62858
The Clay City Banking Co.	331 S Main St	Clay City, IL 62824
Fairfield Il Branch	915 Commerce Drive	Fairfield, IL 62837

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