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

Joy State Bank is headquartered in Joy and is the 417th largest bank in the state of Illinois. It is also the 5,462nd largest bank in the nation. It was established in 1921 and as of December of 2016, it had grown to 12 employees at 2 locations. Joy State Bank has a C+ health rating.

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Health
C+
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
Employees12
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.54%
Return on Equity - YTD5.34%
Annual Interest Income$1.8MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$43.8MM$45.6MM
LoansQ4 2016vs Q4 2015$26.1MM$26.0MM
DepositsQ4 2016vs Q4 2015$36.0MM$37.2MM
Equity CapitalQ4 2016vs Q4 2015$4.3MM$4.4MM
Loan Loss AllowanceQ4 2016vs Q4 2015$517.00K$596.00K
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$772.00K$667.00K
Real Estate OwnedQ4 2016vs Q4 2015$0$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.51%*$2,500*-Health Savings
OTHER TIERS: 1.00% Up to $2,500
0.25%$100-Passbook Savings

Joy State Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%$1k-Money Market

Joy State Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%$1k-Super NOW

Joy State Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.30%$5k-60 Month CD
1.25%$500-48 Month CD
1.10%$500-36 Month CD
0.80%$500-30 Month CD
0.70%$500-24 Month CD
0.55%$500-18 Month CD
0.50%$500-12 Month CD
0.35%$500-182 Day CD
0.30%$500-91 Day CD
Locations


Joy State Bank Locations
Joy State Bank101 W Main St.Joy, IL 61260
New Boston FacilityMain and Fifth StreetsNew Boston, IL 61272