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Overview / Commentary
111 North Church Street
Louisville, IL 62858

Clay County State Bank is headquartered in Louisville and is the 344th largest bank in the state of Illinois. It is also the 4,698th largest bank in the nation. It was established in 1905 and as of September of 2016, it had grown to 18 employees at 1 location. Clay County State Bank has a B+ health rating.


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. Clay County State Bank has a relatively low asset base.

Health Grade Components

FDIC Certificate #10821
Year Established1905
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.04%
Return on Equity - YTD7.82%
Annual Interest Income$2.0MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$83.9MM$85.2MM
LoansQ3 2016vs Q3 2015$42.7MM$39.9MM
DepositsQ3 2016vs Q3 2015$70.0MM$67.4MM
Equity CapitalQ3 2016vs Q3 2015$11.4MM$10.8MM
Loan Loss AllowanceQ3 2016vs Q3 2015$635.00K$615.00K
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$1.6MM$1.2MM
Real Estate OwnedQ3 2016vs Q3 2015$0$0

Rates for Clay County State Bank are currently being reviewed.


Clay County State Bank Locations
Clay County State Bank111 North Church StreetLouisville, IL 62858