Clay County State Bank

Popular Accounts at this Bank

APY	ACCOUNT TYPE	ACCOUNT NAME
2.00%	5-year CD	60 Month CD- Annual APY 2.50% - Ally Bank High Yield 5 Year CD
1.00%	1-year CD	12 Month CD- Annual APY 2.10% - Goldman Sachs Bank USA High-yield 12 Month CD
0.20%	Savings	Passbook 1.30% - Nationwide Bank Online Savings Account

View all Clay County State Bank rates »

Overview / Commentary

www.claycobank.com

618-665-3334

111 North Church Street
Louisville, IL 62858

Clay County State Bank is headquartered in Louisville and is the 350^th largest bank in the state of Illinois. It is also the 4,659^th largest bank in the nation. It was established in 1905 and as of December 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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Health

B

Data as of Q4 2017

Learn why bank health matters

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

Overall
FDIC Certificate #	10821
Year Established	1905
Employees	18
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.21%
Return on Equity - YTD	8.55%
Annual Interest Income	$2.8MM

Assets and Liabilities
Assets	Q4 2017vs Q4 2016	$77.4MM$78.3MM
Loans	Q4 2017vs Q4 2016	$51.6MM$44.0MM
Deposits	Q4 2017vs Q4 2016	$63.3MM$66.3MM
Equity Capital	Q4 2017vs Q4 2016	$10.9MM$10.4MM
Loan Loss Allowance	Q4 2017vs Q4 2016	$560.00K$572.00K
Unbacked Noncurrent Loans	Q4 2017vs Q4 2016	$1.9MM$1.8MM
Real Estate Owned	Q4 2017vs Q4 2016	$29.00K$0

Rates

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Checking
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Clay County State Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.20%	-	-	Passbook

Clay County State Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.20%	-	-	Super NOW
0.15%	-	-	NOW

Clay County State Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
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

Locations

Clay County State Bank Locations
Clay County State Bank	111 North Church Street	Louisville, IL 62858

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