Clay County State Bank

Overview / Commentary
111 North Church Street
Louisville, IL 62858

Clay County State Bank is headquartered in Louisville and is the 322nd largest bank in the state of Illinois. It is also the 4,370th largest bank in the nation. It was established in 1905 and as of September of 2019, it had grown to 19 employees at 1 location. Clay County State Bank's CD rates are 72% 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 - YTD1.34%
Return on Equity - YTD8.85%
Annual Interest Income$2.3MM
Assets and Liabilities
AssetsQ3 2019vs Q3 2018$78.5MM$79.9MM
LoansQ3 2019vs Q3 2018$51.5MM$51.6MM
DepositsQ3 2019vs Q3 2018$66.2MM$66.7MM
Equity CapitalQ3 2019vs Q3 2018$12.1MM$11.0MM
Loan Loss AllowanceQ3 2019vs Q3 2018$536.00K$560.00K
Unbacked Noncurrent LoansQ3 2019vs Q3 2018$1.4MM$2.0MM
Real Estate OwnedQ3 2019vs Q3 2018$0$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

1.76%$500-48 Month CD
1.76%$500-60 Month CD
1.75%$500-30 Month CD
1.75%$5k-36 Month CD
1.65%$500-21 Month CD
1.65%$500-24 Month CD
1.60%$500-15 Month CD
1.60%$500-18 Month CD
1.55%$500-12 Month CD
1.25%$500-7 Month CD
1.20%$500-6 Month CD
1.00%$500-3 Month CD

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

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