Overview / Commentary
100 West Main Street
Clayton, IL 62324

Central State Bank (IL) is headquartered in Clayton and is the 255th largest bank in the state of Illinois. It is also the 3,628th largest bank in the nation. It was established in 1928 and as of September 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 Grade Components

FDIC Certificate #8487
Year Established1928
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD3.06%
Return on Equity - YTD20.18%
Annual Interest Income$5.6MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$134.8MM$130.7MM
LoansQ3 2018vs Q3 2017$122.3MM$119.1MM
DepositsQ3 2018vs Q3 2017$109.1MM$107.1MM
Equity CapitalQ3 2018vs Q3 2017$21.0MM$19.4MM
Loan Loss AllowanceQ3 2018vs Q3 2017$1.4MM$1.3MM
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$3.9MM$3.1MM
Real Estate OwnedQ3 2018vs Q3 2017$2.2MM$2.9MM
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Always verify rates and promotions with the bank or credit union. We are not Central State Bank (IL); we are a rate comparison website and cannot provide official rates or promotions.

* 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

0.20%--Passbook Savings

Central State Bank (IL) Money Market Rates

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

2.75%$1k$20kREWARDS Checking
0.15%$1k-NOW Account

Central State Bank (IL) CD Rates

3.77%$5k-30 Month STEP-UP CD Special -- Last 6 Months
3.26%$5k-30 Month STEP-UP CD Special -- 2nd 12 Months
2.75%$5k-30 Month STEP-UP CD Special -- 1st 12 Months
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

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

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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