Overview / Commentary
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's CD rates are 11% higher than the national average, and it 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. Joy State Bank has a low asset base.

Health Grade Components

FDIC Certificate #11329
Year Established1921
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
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Joy State Bank Savings Account Rates

1.51%*$2.5k*-Health Savings
OTHER TIERS: 1.00% Up to $2.5k
0.25%$100-Passbook Savings

Joy State Bank Money Market Rates

0.25%$1k-Money Market

Joy State Bank Checking Account Rates

0.20%$1k-Super NOW

Joy State Bank CD Rates

3.02%$5k-60 Month CD
2.77%$500-28 Month CD
2.52%$500-15 Month CD
1.76%$500-48 Month CD
1.61%$500-36 Month CD
1.30%$500-30 Month CD
1.20%$500-24 Month CD
1.05%$500-18 Month CD
1.00%$500-12 Month CD
0.55%$500-182 Day CD
0.50%$500-91 Day CD

Joy State Bank IRA Rates

3.02%$5k-60 Month IRA
2.77%$500-28 Month IRA
2.52%$500-15 Month IRA
1.76%$500-48 Month IRA
1.61%$500-36 Month IRA
1.30%$500-30 Month IRA
1.20%$500-24 Month IRA
1.05%$500-18 Month IRA
1.00%$500-12 Month IRA
0.55%$500-182 Day IRA
0.50%$500-91 Day IRA

Joy State Bank Locations
Joy State Bank101 W Main St.Joy, IL 61260
New Boston Facility412 Main StreetNew Boston, IL 61272

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