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Clay County State Bank


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/1/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
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Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/1/2025
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
APY APY = Annual Percentage Yield Rates as of 7/1/2025
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
Bonus Amount
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 267th largest bank in the state of Illinois. It is also the 3,768th 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
B

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #10821
Year Established1905
Employees17
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.21%
Return on Equity - YTD13.15%
Annual Interest Income$1.2MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$105MM$104.9MM
LoansQ1 2025vs Q1 2024$45.6MM$46.2MM
DepositsQ1 2025vs Q1 2024$94.1MM$95.6MM
Equity CapitalQ1 2025vs Q1 2024$10.3MM$8.6MM
Loan Loss AllowanceQ1 2025vs Q1 2024$454K$511K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$1.5MM$1.2MM
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/1/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
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
APY APY = Annual Percentage Yield Rates as of 7/1/2025
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
APY APY = Annual Percentage Yield Rates as of 7/1/2025
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
Bonus Amount
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 Bank111 N Church StLouisville, IL 62858

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