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Advertiser Disclosure
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 The Clay City Banking Co. Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: September 19, 2026
The Clay City Banking Co.'s 13-Month CD Specials rates are at 4.06%, 24-Months 24-Month Business Certificates of Deposit rates are at 3.70%, 24-Months 24-Month Certificates of Deposit rates are at 3.70%, 18-Months 18-Month Business Certificates of Deposit rates are at 3.65%, 18-Month Variable 18-Month CD Specials rates are at 3.65%. The Clay City Banking Co.'s savings rates are at 0.50%. The Clay City Banking Co.'s money market rates are at 1.00%. The Clay City Banking Co.'s Personal Loan Rates are as low as 2.00%. MonitorBankRates evaluates the financial stability of The Clay City Banking Co. with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.83%. Rates last updated and verified on 09/19/2026. The Clay City Banking Co. money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at The Clay City Banking Co.? Share your experience about The Clay City Banking Co. by leaving a review below, or read customer reviews before you decide to use The Clay City Banking Co.. 
The Clay City Banking Co. CD Rates
The Clay City Banking Co. Savings Rates
The Clay City Banking Co. Money Market Rates
The Clay City Banking Co. Checking Rates
The Clay City Banking Co. Personal Loan Rates
The Clay City Banking Co. Other Rates
Financial Health HistoryThe Clay City Banking Co.’s Texas Ratio fell from 10.38% in Q3 2023 to 7.83% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for The Clay City Banking Co. is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather The Clay City Banking Co. rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with The Clay City Banking Co.'s official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
The Clay City Banking Co.
Bank Holding Company
CLAY CITY BANK SHARES INC
Address
331 S Main St,
Clay City, IL 62824 · Clay
Website
https://www.claycitybanking.bank
FDIC Certificate #
10845
Established
18920705
FDIC Insurance Date
19340101
Domestic Offices
4
Total Branches
4
Regulator
FDIC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA
Overall Health Grade
Score: 96/100
5.0
Exceptional
Out of 5.0 Stars
7.83%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
1.4032%
Return on Equity (ROE)
15.6100%
Non-Performing Loans (NPL)
0.69%
Total Assets
$253,333,000
Total Deposits
$227,793,000
Equity Capital
$23,530,000
Net Income
$1,778,000
Headquarters
Clay City
Total Branches and Offices
4
Source: FDIC | Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About The Clay City Banking Co.How many branches does The Clay City Banking Co. operate?The Clay City Banking Co. currently maintains approximately 4 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is there a first-time homebuyer program?Currently, The Clay City Banking Co. does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, The Clay City Banking Co. provides members with tools to manage their accounts and build a solid financial history. Does The Clay City Banking Co. offer online and mobile banking?Most modern institutions like The Clay City Banking Co. provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.claycitybanking.bank. Current The Clay City Banking Co. Rates
Retrieved from our database of financial products. Rates subject to change.
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