Overview / Commentary
309-584-4146
101 W Main St.
Joy, IL 61260

Joy State Bank is headquartered in Joy and is the 383rd largest bank in the state of Illinois. It is also the 5,042nd largest bank in the nation. It was established in 1921 and as of June of 2018, it had grown to 13 employees at 2 locations. Joy State Bank has a B+ health rating.

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Health
B+
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. Joy State Bank has a low asset base.

Health Grade Components

Overall
FDIC Certificate #11329
Year Established1921
Employees13
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.97%
Return on Equity - YTD8.7%
Annual Interest Income$1.1MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$49.7MM$42.6MM
LoansQ2 2018vs Q2 2017$43.2MM$40.2MM
DepositsQ2 2018vs Q2 2017$39.7MM$34.9MM
Equity CapitalQ2 2018vs Q2 2017$5.7MM$4.3MM
Loan Loss AllowanceQ2 2018vs Q2 2017$44.00K$507.00K
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$338.00K$466.00K
Real Estate OwnedQ2 2018vs Q2 2017$22.00K$0
Rates

Sorry, we do not have rate data for Joy State Bank.

Locations


Joy State Bank Locations
Joy State Bank101 W Main St.Joy, IL 61260
New Boston Facility412 Main StreetNew Boston, IL 61272
Melvin Branch100 East Main StreetMelvin, IL 60952
Paxton Branch101 North Taft StreetPaxton, IL 60957
South Pine Street Branch116 South Pine StreetPiper City, IL 60959

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