Clay County State Bank

Popular Accounts at this Bank

APY	ACCOUNT TYPE	HOW THEY COMPARE
3.00%	5-year CD	3.10% - Barclays 60 Month Online CD
2.00%	1-year CD	2.75% - Barclays 12 Month Online CD
2.75%	4-year CD	2.90% - Barclays 48 Month Online CD

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 336^th largest bank in the state of Illinois. It is also the 4,479^th largest bank in the nation. It was established in 1905 and as of September of 2018, it had grown to 20 employees at 1 location. Clay County State Bank's CD rates are 2X the national average, and it has a B health rating.

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Health

Data as of Q3 2018

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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	1.25%
Return on Equity - YTD	8.89%
Annual Interest Income	$2.2MM

Assets and Liabilities
Assets	Q3 2018vs Q3 2017	$79.9MM$76.8MM
Loans	Q3 2018vs Q3 2017	$51.6MM$50.5MM
Deposits	Q3 2018vs Q3 2017	$66.7MM$65.4MM
Equity Capital	Q3 2018vs Q3 2017	$11.0MM$11.2MM
Loan Loss Allowance	Q3 2018vs Q3 2017	$560.00K$558.00K
Unbacked Noncurrent Loans	Q3 2018vs Q3 2017	$2.0MM$1.2MM
Real Estate Owned	Q3 2018vs Q3 2017	$0$30.00K

Rates

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Clay County State Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
3.00%	$500	-	60 Month CD
2.75%	$500	-	48 Month CD
2.37%	$5k	-	36 Month CD
2.27%	$500	-	30 Month CD
2.25%	$500	-	24 Month CD
2.00%	$500	-	12 Month CD
1.86%	$500	-	18 Month CD
1.80%	$500	-	21 Month CD
0.40%	$500	-	15 Month CD
0.30%	$500	-	7 Month CD

Locations

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

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