Clay County State Bank

Overview / Commentary
111 North Church Street
Louisville, IL 62858

Clay County State Bank is headquartered in Louisville and is the 310th largest bank in the state of Illinois. It is also the 4,223rd largest bank in the nation. It was established in 1905 and as of June of 2020, it had grown to 18 employees at 1 location. Clay County State Bank 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 - YTD1.17%
Return on Equity - YTD7.91%
Annual Interest Income$1.5MM
Assets and Liabilities
AssetsQ2 2020vs Q2 2019$86.2MM$73.9MM
LoansQ2 2020vs Q2 2019$51.0MM$50.9MM
DepositsQ2 2020vs Q2 2019$69.3MM$62.0MM
Equity CapitalQ2 2020vs Q2 2019$12.4MM$11.7MM
Loan Loss AllowanceQ2 2020vs Q2 2019$492.00K$550.00K
Unbacked Noncurrent LoansQ2 2020vs Q2 2019$2.5MM$1.3MM
Real Estate OwnedQ2 2020vs Q2 2019$0$0
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Clay County State Bank Savings Account Rates


Clay County State Bank Checking Account Rates

0.10%--Super NOW

Clay County State Bank CD Rates

0.75%$500-60 Month CD
0.60%$500-48 Month CD
0.60%$5k-36 Month CD
0.50%$500-15 Month CD
0.50%$500-21 Month CD
0.50%$500-24 Month CD
0.50%$500-18 Month CD
0.50%$500-30 Month CD
0.40%$500-12 Month CD
0.35%$500-7 Month CD
0.30%$500-6 Month CD
0.25%$500-3 Month CD

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

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