CLAY BANCSHARES INC is the parent banking group. FLORA BANK & TRUST is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the group level.
Bank Holding Company
CLAY BANCSHARES INC
Legal name: CLAY BANCSHARES, INC
1 active bank · $125M combined assets
RSSD ID: 2186186 (FFIEC NIC)
Combined Assets
$125M
CRA Rating Summary
Outstanding1charter
Across all 3 exams on record for this banking group's charters, 100% resulted in Outstanding or Satisfactory.
At a Glance
Dominant CRA Rating
Outstanding
1 of 1 bank · Exceeds expectations for community lending
Combined Assets
$125M
1 active bank
Financial Summary
FDIC Call ReportsAggregated from the most recent call report filings for all active charters.
Total Deposits
$116M
Net Income
$257K
ROA (avg)
0.84%
asset-weighted avg
Active Bank Charters1
Each charter is examined independently for CRA compliance.
| Charter | Location | Regulator | Assets | Ownership | Current Rating | Exam Date |
|---|---|---|---|---|---|---|
| FLORA BANK & TRUST | FLORA, IL | FDIC | $125M | 100.0% | Outstanding | Jan 1996 |
CRA (Community Reinvestment Act) exams are conducted per charter, not per banking group. Asset figures are from the most recent FDIC call report.