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Overview / Commentary
101 W Main St.
Joy, IL 61260

Joy State Bank is headquartered in Joy and is the 401st largest bank in the state of Illinois. It is also the 5,290th largest bank in the nation. It was established in 1921 and as of December of 2017, it had grown to 12 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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Reviews (1)

Local Only

Posted by: tippytop | Sep 26, 2014

Have to be local to open an HSA.

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 - YTD-0.09%
Return on Equity - YTD-0.9%
Annual Interest Income$1.9MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$43.0MM$43.8MM
LoansQ4 2017vs Q4 2016$27.5MM$26.1MM
DepositsQ4 2017vs Q4 2016$36.8MM$36.0MM
Equity CapitalQ4 2017vs Q4 2016$4.5MM$4.3MM
Loan Loss AllowanceQ4 2017vs Q4 2016$441.00K$517.00K
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$612.00K$772.00K
Real Estate OwnedQ4 2017vs Q4 2016$0$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%*$2,500*-Health Savings
OTHER TIERS: 1.00% Up to $2,500
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

2.52%$5k-60 Month CD
2.26%$500-28 Month CD
1.76%$500-15 Month CD
1.46%$500-48 Month CD
1.30%$500-36 Month CD
1.15%$500-30 Month CD
1.10%$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 Locations
Joy State Bank101 W Main St.Joy, IL 61260
New Boston FacilityMain and Fifth StreetsNew Boston, IL 61272