Side-by-side · Q2 2026 data
The Fairfield National Bank vs The Clay City Banking Co.
Metric by metric
| Measure | The Fairfield National Bank | The Clay City Banking Co. |
|---|---|---|
| TellerScore | 65 | 68 (stronger) |
| Capital cushion | 69 (stronger) | 52 |
| Loan quality | 50 | 64 (stronger) |
| Earnings | 47 | 76 (stronger) |
| Funding & liquidity | 91 (stronger) | 82 |
| Problem-loan coverage | 87 (stronger) | 85 |
| Peer percentile | 29th | 37th |
| Total assets | $620.9M | $253.3M |
| Deposits / shares | $410.2M | $227.8M |
| Capital ratio | 11.89% (stronger) | 10.24% |
| Problem loans | 1.51% | 1.09% (stronger) |
| Net charge-offs | 0.31% | 0.10% (stronger) |
| Return on assets | 0.69% | 1.40% (stronger) |
| Loans ÷ deposits | 68.9% (stronger) | 70.5% |
| Uninsured deposits | 9.0% (stronger) | 22.0% |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Clay City Banking Co. has the higher TellerScore (68 vs 65). On the 7 directional measures above (where higher or lower is clearly better), The Fairfield National Bank leads on 3 and The Clay City Banking Co. on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Fairfield, IL