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Clay County State Bank

Popular Accounts at this Bank

2.00%5-year CD60 Month CD- Annual APY
1.00%1-year CD12 Month CD- Annual APY

Overview / Commentary
111 North Church Street
Louisville, IL 62858

Clay County State Bank is headquartered in Louisville and is the 351st largest bank in the state of Illinois. It is also the 4,703rd largest bank in the nation. It was established in 1905 and as of September of 2017, it had grown to 18 employees at 1 location. Clay County State Bank's CD rates are 11% higher than 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 - YTD1.21%
Return on Equity - YTD8.58%
Annual Interest Income$2.1MM
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$76.8MM$83.9MM
LoansQ3 2017vs Q3 2016$50.5MM$42.7MM
DepositsQ3 2017vs Q3 2016$65.4MM$70.0MM
Equity CapitalQ3 2017vs Q3 2016$11.2MM$11.4MM
Loan Loss AllowanceQ3 2017vs Q3 2016$558.00K$635.00K
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$1.2MM$1.6MM
Real Estate OwnedQ3 2017vs Q3 2016$30.00K$0
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Clay County State Bank Savings Account Rates


Clay County State Bank Checking Account Rates

0.20%--Super NOW

Clay County State Bank CD Rates

2.02%--60 Month CD
2.02%--60 Month CD- Quarterly APY
2.01%--60 Month CD- Semi APY
2.00%--60 Month CD- Annual APY
1.76%--48 Month CD
1.76%--48 Month CD- Quarterly APY
1.76%--48 Month CD- Semi APY
1.75%--48 Month CD- Annual APY
1.61%--36 Month CD
1.61%--36 Month CD- Quarterly APY
1.61%--36 Month CD- Semi APY
1.60%--36 Month CD- Annual APY
1.51%--30 Month CD
1.51%--30 Month CD- Quarterly APY
1.51%--30 Month CD- Semi APY
1.50%--30 Month CD- Annual APY
1.36%--24 Month CD
1.36%--24 Month CD- Quarterly APY
1.35%--24 Month CD- Semi APY
1.35%--24 Month CD- Annual APY
1.26%--18 Month CD
1.26%--18 Month CD- Quarterly APY
1.25%--18 Month CD- Semi APY
1.25%--18 Month CD- Annual APY
1.00%--12 Month CD
1.00%--12 Month CD- Quarterly APY
1.00%--12 Month CD- Semi APY
1.00%--12 Month CD- Annual APY
0.85%--6 Month CD
0.85%--6 Month CD- Quarterly APY
0.85%--6 Month CD- Semi APY
0.75%--3 Month CD
0.75%--3 Month CD- Quarterly APY
0.75%--3 Month CD- Semi APY
0.45%--21 Month CD
0.45%--21 Month CD- Quarterly APY
0.45%--21 Month CD- Semi APY
0.45%--21 Month CD- Annual APY
0.40%--15 Month CD
0.40%--15 Month CD- Quarterly APY
0.40%--15 Month CD- Semi APY
0.40%--15 Month CD- Annual APY
0.30%--7 Month CD
0.30%--7 Month CD- Quarterly APY
0.30%--7 Month CD- Annual APY

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