Flora, IL · Cert 22598 · Clay Bancshares Inc.
State charter, Fed member · FED · 2 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.43% | 0.49% | 0.50% | 0.84% | 0.92% | +49 bps | |
| Return on Equity | 7.95% | 8.71% | 8.60% | 13.11% | 14.38% | +643 bps | |
| Net Interest Margin | 2.13% | 2.15% | 2.25% | 2.65% | 2.63% | +50 bps | |
| Efficiency Ratio | 79.08% | 76.82% | 75.93% | 64.83% | 62.57% | -1,650 bps | |
| Non-Interest Burden | 1.57% | 1.52% | 1.57% | 1.52% | 1.44% | -14 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.73% | -0.73% | 1.80% | 8.12% | 7.11% | +538 bps | |
| Loan Growth (YoY) | 2.46% | -3.18% | 1.21% | 8.78% | 7.24% | +478 bps | |
| Deposit Growth (YoY) | 1.52% | -1.42% | 0.44% | 7.28% | 5.97% | +446 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.17% | 0.23% | 0.16% | 0.22% | 0.23% | +6 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.04% | +5 bps | |
| Allowance / Loans | 0.39% | 0.40% | 0.37% | 0.37% | 0.37% | -1 bps | |
| Allowance Coverage of NPLs | 2.3x | 1.7x | 2.3x | 1.7x | 1.6x | -0.6x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.15% | 9.18% | 9.25% | 8.96% | 8.94% | -22 bps | |
| Total Risk-Based Capital | 15.42% | 15.71% | 15.11% | 14.79% | 15.58% | +16 bps | |
| Equity / Assets | 5.46% | 6.30% | 6.54% | 6.28% | 6.40% | +94 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 52.55% | 53.04% | 56.64% | 55.25% | 53.18% | +63 bps | |
| Liquid Assets / Assets | 12.49% | 12.26% | 10.02% | 12.05% | 14.63% | +214 bps | |
| CRE / Total Capital | n/a | 82.05% | 87.93% | 98.26% | n/a | n/a | |