Side-by-side · Q2 2026 data
First Community Bank, Xenia-Flora vs The Clay City Banking Co.
Metric by metric
| Measure | First Community Bank, Xenia-Flora | The Clay City Banking Co. |
|---|---|---|
| TellerScore | 86 (stronger) | 68 |
| Capital cushion | 70 (stronger) | 52 |
| Loan quality | 93 (stronger) | 64 |
| Earnings | 90 (stronger) | 76 |
| Funding & liquidity | 96 (stronger) | 82 |
| Problem-loan coverage | 98 (stronger) | 85 |
| Peer percentile | 81st | 37th |
| Total assets | $55.5M | $253.3M |
| Deposits / shares | $47.3M | $227.8M |
| Capital ratio | 12.03% (stronger) | 10.24% |
| Problem loans | 0.22% (stronger) | 1.09% |
| Net charge-offs | -0.04% (stronger) | 0.10% |
| Return on assets | 1.76% (stronger) | 1.40% |
| Loans ÷ deposits | 64.6% (stronger) | 70.5% |
| Uninsured deposits | 11.9% (stronger) | 22.0% |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Community Bank, Xenia-Flora has the higher TellerScore (86 vs 68). On the 7 directional measures above (where higher or lower is clearly better), First Community Bank, Xenia-Flora leads on 7 and The Clay City Banking Co. on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Flora, IL