Central State Bank (IL)

Popular Accounts at this Bank

APY	ACCOUNT TYPE	HOW THEY COMPARE
1.50%	5-year CD	2.27% - National Average
0.40%	1-year CD	1.38% - National Average
0.20%	Savings	0.26% - National Average

View all Central State Bank (IL) rates »

Overview / Commentary

www.csb123.com

217-894-6596

100 West Main Street
Clayton, IL 62324

Central State Bank (IL) is headquartered in Clayton and is the 255^th largest bank in the state of Illinois. It is also the 3,552^nd largest bank in the nation. It was established in 1928 and as of December of 2018, it had grown to 30 employees at 4 locations. Central State Bank (IL)'s money market rates are 2X the national average, and it has a B health rating.

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Health

Data as of Q4 2018

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Health Grade Components

Overall
FDIC Certificate #	8487
Year Established	1928
Employees	30
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	2.7%
Return on Equity - YTD	17.86%
Annual Interest Income	$7.4MM

Assets and Liabilities
Assets	Q4 2018vs Q4 2017	$139.7MM$134.9MM
Loans	Q4 2018vs Q4 2017	$121.2MM$118.7MM
Deposits	Q4 2018vs Q4 2017	$114.0MM$111.6MM
Equity Capital	Q4 2018vs Q4 2017	$21.1MM$19.2MM
Loan Loss Allowance	Q4 2018vs Q4 2017	$1.3MM$1.4MM
Unbacked Noncurrent Loans	Q4 2018vs Q4 2017	$3.7MM$2.4MM
Real Estate Owned	Q4 2018vs Q4 2017	$2.2MM$2.6MM

Rates

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Checking
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Central State Bank (IL) Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.20%	-	-	Passbook Savings

Central State Bank (IL) Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.00%^*	$50k^*	-	Money Market Deposit Account (MMDA)
OTHER TIERS: 0.40% → $2.5k - $25k \| 0.65% → $25k - $50k

Central State Bank (IL) Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.75%	$1k	$20k	REWARDS Checking
0.15%	$1k	-	NOW Account

Central State Bank (IL) CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.50%	$1k	-	60 Month CD
1.25%	$1k	-	48 Month CD
1.00%	$1k	-	36 Month CD
0.80%	$1k	-	30 Month CD
0.75%	$1k	-	24 Month CD
0.60%	$1k	-	18 Month CD
0.40%	$1k	-	12 Month CD
0.35%	$1k	-	182 Day CD
0.30%	$1k	-	91 Day CD

Central State Bank (IL) IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.50%	$1k	-	60 Month IRA
1.25%	$1k	-	48 Month IRA
1.00%	$1k	-	36 Month IRA
0.80%	$1k	-	30 Month IRA
0.75%	$1k	-	24 Month IRA
0.60%	$1k	-	18 Month IRA
0.40%	$1k	-	12 Month IRA

Locations

Central State Bank (IL) Locations
Central State Bank	100 West Main Street	Clayton, IL 62324
Kinderhook Branch	175 W Quincy St.	Kinderhook, IL 62345
Clayton Branch	701 Quincy Street	Pleasant Hill, IL 62366
12th Street Quincy Branch	900 South 12th Street	Quincy, IL 62301

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