Central State Bank (IL)

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LOCATIONS

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

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Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

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Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

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Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

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Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

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Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

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 214^th largest bank in the state of Illinois. It is also the 3,184^th largest bank in the nation. It was established in 1928 and as of March of 2025, it had grown to 29 employees at 4 locations. Central State Bank (IL) has a B+ health rating.

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Health

B+

Data as of Q1 2025

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Health Grade Components

Overall
FDIC Certificate #	8487
Year Established	1928
Employees	29
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	2.01%
Return on Equity - YTD	12.46%
Annual Interest Income	$2.6MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$181.1MM$169.1MM
Loans	Q1 2025vs Q1 2024	$130.8MM$130.1MM
Deposits	Q1 2025vs Q1 2024	$151.3MM$141.4MM
Equity Capital	Q1 2025vs Q1 2024	$29.2MM$27.1MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$1.5MM$1.5MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$6.1MM$4.2MM
Real Estate Owned	Q1 2025vs Q1 2024	$385K$501K

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

Rates for Central State Bank (IL) are currently being reviewed.

Locations

Central State Bank (IL) Locations
Central State Bank	100 W Main St	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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