Clay County State Bank

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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.claycobank.com

618-665-3314

111 North Church Street
Louisville, IL 62858

Clay County State Bank is headquartered in LOUISVILLE and is the 267^th largest bank in the state of Illinois. It is also the 3,768^th largest bank in the nation. It was established in 1905 and as of March of 2025, it had grown to 17 employees at 1 location. Clay County State Bank has a B health rating.

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Health

Data as of Q1 2025

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Health Grade Components

Overall
FDIC Certificate #	10821
Year Established	1905
Employees	17
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.21%
Return on Equity - YTD	13.15%
Annual Interest Income	$1.2MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$105MM$104.9MM
Loans	Q1 2025vs Q1 2024	$45.6MM$46.2MM
Deposits	Q1 2025vs Q1 2024	$94.1MM$95.6MM
Equity Capital	Q1 2025vs Q1 2024	$10.3MM$8.6MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$454K$511K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$1.5MM$1.2MM
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

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 Clay County State Bank are currently being reviewed.

Locations

Clay County State Bank Locations
Clay County State Bank	111 N Church St	Louisville, IL 62858

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