Clay County State Bank

Popular Accounts at this Bank

APY	ACCOUNT TYPE	HOW THEY COMPARE
2.75%	5-year CD	3.00% - Goldman Sachs Bank USA High-yield 5 Year CD
2.00%	1-year CD	2.70% - Goldman Sachs Bank USA High-yield 12 Month CD
2.50%	4-year CD	2.80% - Discover Bank 4 Year 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 337^th largest bank in the state of Illinois. It is also the 4,509^th largest bank in the nation. It was established in 1905 and as of December of 2018, it had grown to 19 employees at 1 location. Clay County State Bank's CD rates are 2X the national average, and it has an A health rating.

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Health

Data as of Q4 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	19
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.3%
Return on Equity - YTD	9.23%
Annual Interest Income	$2.9MM

Assets and Liabilities
Assets	Q4 2018vs Q4 2017	$76.2MM$77.4MM
Loans	Q4 2018vs Q4 2017	$51.9MM$51.6MM
Deposits	Q4 2018vs Q4 2017	$65.1MM$63.3MM
Equity Capital	Q4 2018vs Q4 2017	$10.9MM$10.9MM
Loan Loss Allowance	Q4 2018vs Q4 2017	$541.00K$560.00K
Unbacked Noncurrent Loans	Q4 2018vs Q4 2017	$1.0MM$1.9MM
Real Estate Owned	Q4 2018vs Q4 2017	$0$29.00K

Rates

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Clay County State Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.75%	$500	-	60 Month CD
2.50%	$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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