IL lenders / Community Bank
The Clay City Banking Co.
Community Bank · Clay City, IL · Clay City Bank Shares Inc
- Total assets
- $256.2M
- CRE loan book
- $35.0M
- QoQ CRE growth
- 5.2%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.56% as of Q1 2026 — TX bank median 4.87% (1.70pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.56% | 6.75% |
| Q4 2025 | 6.74% | 6.93% |
| Q3 2025 | 6.27% | 6.58% |
| Q2 2025 | 6.05% | 6.53% |
| Q1 2025 | 5.91% | 6.25% |
| Q4 2024 | 5.89% | 6.31% |
| Q3 2024 | 5.83% | 6.37% |
| Q2 2024 | 5.50% | 6.06% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
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CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $35.0M | $6.2M | $1.8M | 77% | $732,000 |
| Q4 2025 | $33.3M | $5.1M | $1.5M | 76% | $515,000 |
| Q3 2025 | $33.8M | $4.9M | $1.5M | 78% | $102,000 |
| Q2 2025 | $34.9M | $6.0M | $1.3M | 84% | $106,000 |
| Q1 2025 | $34.7M | $4.9M | $1.3M | 88% | $111,000 |
| Q4 2024 | $33.7M | $4.2M | $1.3M | 84% | $126,000 |
| Q3 2024 | $33.2M | $4.3M | $1.3M | 84% | $131,000 |
| Q2 2024 | $32.6M | $2.9M | $1.3M | 78% | $282,000 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Marblehead BankCommunity Bank · Marblehead · $35.0M CRE book
- Citizens State BankCommunity Bank · Lena · $35.2M CRE book
- Flatwater BankCommunity Bank · Gothenburg · $34.9M CRE book
- The Farmers State Bank and Trust CompanyCommunity Bank · Jacksonville · $34.8M CRE book
- State Street Bank and Trust CompanyCommunity Bank · Quincy · $34.8M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.