Side-by-side · Q2 2026 data
The Clay City Banking Co. vs Flora Bank & Trust
Metric by metric
| Measure | The Clay City Banking Co. | Flora Bank & Trust |
|---|---|---|
| TellerScore | 68 | 68 |
| Capital cushion | 52 (stronger) | 39 |
| Loan quality | 64 | 92 (stronger) |
| Earnings | 76 (stronger) | 57 |
| Funding & liquidity | 82 (stronger) | 80 |
| Problem-loan coverage | 85 | 96 (stronger) |
| Peer percentile | 37th | 37th |
| Total assets | $253.3M | $126.0M |
| Deposits / shares | $227.8M | $117.2M |
| Capital ratio | 10.24% (stronger) | 8.94% |
| Problem loans | 1.09% | 0.23% (stronger) |
| Net charge-offs | 0.10% | 0.04% (stronger) |
| Return on assets | 1.40% (stronger) | 0.92% |
| Loans ÷ deposits | 70.5% | 53.0% (stronger) |
| Uninsured deposits | 22.0% (stronger) | 33.3% |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), The Clay City Banking Co. leads on 3 and Flora Bank & Trust on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Flora, IL
- Louisville, IL