Central State Bank (IL)

Overview / Commentary
100 West Main Street
Clayton, IL 62324

Central State Bank (IL) is headquartered in Clayton and is the 230th largest bank in the state of Illinois. It is also the 3,327th largest bank in the nation. It was established in 1928 and as of December of 2020, it had grown to 30 employees at 4 locations. Central State Bank (IL)'s money market rates are 14% higher than the national average, and it has a B health rating.


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Health Grade Components

FDIC Certificate #8487
Year Established1928
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.5%
Return on Equity - YTD10.4%
Annual Interest Income$7.0MM
Assets and Liabilities
AssetsQ4 2020vs Q4 2019$166.8MM$144.4MM
LoansQ4 2020vs Q4 2019$117.5MM$123.6MM
DepositsQ4 2020vs Q4 2019$136.5MM$114.9MM
Equity CapitalQ4 2020vs Q4 2019$22.5MM$22.2MM
Loan Loss AllowanceQ4 2020vs Q4 2019$2.0MM$1.7MM
Unbacked Noncurrent LoansQ4 2020vs Q4 2019$9.5MM$6.4MM
Real Estate OwnedQ4 2020vs Q4 2019$615.00K$699.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Central State Bank (IL) Savings Account Rates

0.15%--Passbook Savings

Central State Bank (IL) Money Market Rates

0.50%*$50k*-Money Market Deposit Account (MMDA)
OTHER TIERS: 0.10% $2.5k - $10k | 0.25% $10k - $25k | 0.35% $25k - $50k

Central State Bank (IL) Checking Account Rates

2.27%*$1k*$50kREWARDS Checking
OTHER TIERS: 0.50% $50k+
0.10%$1k-NOW Account

Central State Bank (IL) CD Rates

1.31%$1k-60 Month CD
1.10%$1k-48 Month CD
0.80%$1k-36 Month CD
0.70%$1k-30 Month CD
0.65%$1k-24 Month CD
0.40%$1k-18 Month CD
0.30%$1k-12 Month CD
0.25%$1k-182 Day CD
0.15%$1k-91 Day CD

Central State Bank (IL) IRA Rates

1.31%$1k-60 Month IRA
1.10%$1k-48 Month IRA
0.80%$1k-36 Month IRA
0.70%$1k-30 Month IRA
0.65%$1k-24 Month IRA
0.40%$1k-18 Month IRA
0.30%$1k-12 Month IRA

Central State Bank (IL) Locations
Central State Bank100 West Main StreetClayton, IL 62324
Kinderhook Branch175 W Quincy St.Kinderhook, IL 62345
Clayton Branch701 Quincy StreetPleasant Hill, IL 62366
12th Street Quincy Branch900 South 12th StreetQuincy, IL 62301

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