Overview / Commentary
111 North Church Street
Louisville, IL 62858

Clay County State Bank is headquartered in Louisville and is the 336th largest bank in the state of Illinois. It is also the 4,479th largest bank in the nation. It was established in 1905 and as of September of 2018, it had grown to 20 employees at 1 location. Clay County State Bank's CD rates are 2X the national average, and it 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 - YTD1.25%
Return on Equity - YTD8.89%
Annual Interest Income$2.2MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$79.9MM$76.8MM
LoansQ3 2018vs Q3 2017$51.6MM$50.5MM
DepositsQ3 2018vs Q3 2017$66.7MM$65.4MM
Equity CapitalQ3 2018vs Q3 2017$11.0MM$11.2MM
Loan Loss AllowanceQ3 2018vs Q3 2017$560.00K$558.00K
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$2.0MM$1.2MM
Real Estate OwnedQ3 2018vs Q3 2017$0$30.00K
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Clay County State Bank CD Rates

3.00%$500-60 Month CD
2.75%$500-48 Month CD
2.37%$5k-36 Month CD
2.27%$500-30 Month CD
2.25%$500-24 Month CD
2.00%$500-12 Month CD
1.86%$500-18 Month CD
1.80%$500-21 Month CD
0.40%$500-15 Month CD
0.30%$500-7 Month CD

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

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