Clay County State Bank

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LOCATIONS

Popular Accounts at this Bank

APY	ACCOUNT TYPE	ACCOUNT NAME
1.25%	5-year CD	60 Month CD 1.85% - Synchrony Bank 60 Month CD
0.35%	1-year CD	12 Month CD 1.05% - Ally Bank High Yield 12-Month CD
0.20%	Savings	Passbook 1.00% - Ally 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 342^nd largest bank in the state of Illinois. It is also the 4,725^th largest bank in the nation. It was established in 1905 and as of June of 2016, it had grown to 20 employees at 1 location. Clay County State Bank has a B+ health rating.

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Health

B+

Data as of Q2 2016

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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

Overall
FDIC Certificate #	10821
Year Established	1905
Employees	20
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.21%
Return on Equity - YTD	9.14%
Annual Interest Income	$1.4MM

Assets and Liabilities
Assets	Q2 2016vs Q2 2015	$84.2MM$81.8MM
Loans	Q2 2016vs Q2 2015	$40.9MM$38.3MM
Deposits	Q2 2016vs Q2 2015	$69.4MM$63.3MM
Equity Capital	Q2 2016vs Q2 2015	$11.2MM$10.7MM
Loan Loss Allowance	Q2 2016vs Q2 2015	$623.00K$614.00K
Unbacked Noncurrent Loans	Q2 2016vs Q2 2015	$1.4MM$1.3MM
Real Estate Owned	Q2 2016vs Q2 2015	$0$0

Rates

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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
1.25%	-	-	60 Month CD
0.95%	-	-	48 Month CD
0.65%	-	-	30 Month CD
0.50%	-	-	24 Month CD
0.45%	-	-	21 Month CD
0.40%	-	-	15 Month CD
0.40%	-	-	18 Month CD
0.35%	-	-	12 Month CD
0.30%	-	-	7 Month CD
0.20%	-	-	6 Month CD
0.15%	-	-	3 Month CD

Locations

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