Overview / Commentary
618-665-3334
111 North Church Street
Louisville, IL 62858

Clay County State Bank is headquartered in Louisville and is the 345th largest bank in the state of Illinois. It is also the 4,588th largest bank in the nation. It was established in 1905 and as of June of 2018, it had grown to 18 employees at 1 location. Clay County State Bank's CD rates are 96% higher than the national average, and it has a B health rating.

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Health
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 Established1905
Employees18
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.27%
Return on Equity - YTD8.95%
Annual Interest Income$1.4MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$75.8MM$75.3MM
LoansQ2 2018vs Q2 2017$50.1MM$49.6MM
DepositsQ2 2018vs Q2 2017$62.7MM$62.5MM
Equity CapitalQ2 2018vs Q2 2017$10.9MM$11.0MM
Loan Loss AllowanceQ2 2018vs Q2 2017$552.00K$564.00K
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$1.7MM$1.2MM
Real Estate OwnedQ2 2018vs Q2 2017$0$40.00K
Rates
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Clay County State Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%$10-Passbook

Clay County State Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%--Super NOW
0.15%--NOW

Clay County State Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.78%$500-60 Month CD
2.77%$500-60 Month CD- Semi APY
2.75%$500-60 Month CD- Annual APY
2.53%$500-48 Month CD
2.52%--48 Month CD- Quarterly APY
2.52%$500-48 Month CD- Semi APY
2.50%$500-48 Month CD- Annual APY
2.27%$500-24 Month CD
2.26%$500-24 Month CD- Semi APY
2.25%$500-24 Month CD- Annual APY
2.12%$500-30 Month CD
2.12%$5k-36 Month CD
2.11%$500-30 Month CD- Semi APY
2.11%$5k-36 Month CD- Semi APY
2.10%$500-30 Month CD- Annual APY
2.10%$5k-36 Month CD- Annual APY
1.81%$500-21 Month CD
1.80%--21 Month CD- Annual APY
1.76%$500-12 Month CD
1.76%$500-18 Month CD
1.75%$500-12 Month CD- Annual APY
1.75%$500-18 Month CD- Annual APY
1.26%$500-6 Month CD
1.25%--6 Month CD- Semi APY
1.00%$500-3 Month CD
0.40%$500-15 Month CD
0.30%$500-7 Month CD
Locations


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

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