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Clay County State Bank
Louisville, IL · FDIC Certificate #10821 · Chartered 09/1
Total assets
$104.30M
Total deposits
$91.70M
Total equity
$11.98M
Net loans
$46.82M
Branches (offices)
1
Net income (YTD)
$791.00K
Rank: #3,648 of 4,213 U.S. banks by assets · #262 of 322 in Illinois. Assets changed 3.7% and deposits 2.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.50% |
| Return on equity | 13.35% |
| Net interest margin (YTD) | 3.52% |
| Equity to assets | 11.49% |
| Tier 1 leverage ratio | 13.18% |
| Uninsured deposits (share of deposits) | 36.6% |
| Noncurrent loans (share of loans) | 3.82% |
| Net charge-offs (share of loans) | 0.03% |
| Loans to deposits | 51.1% |
| Real estate loans (share of loans) | 65.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $30.86M | 65.9% | |
| Commercial & industrial | $4.76M | 10.2% | |
| Consumer / individual | $5.78M | 12.3% | |
| Construction & development | $216.00K | 0.5% | |
| Agricultural | $5.77M | 12.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $109.65M | $101.21M | $406.00K | $7.92M |
| Jun 2023 | $109.01M | $100.49M | $681.00K | $7.96M |
| Jun 2024 | $102.61M | $92.76M | $561.00K | $9.20M |
| Jun 2025 | $100.59M | $89.19M | $690.00K | $10.78M |
| Jun 2026 | $104.30M | $91.70M | $791.00K | $11.98M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $91.70M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $91.70M.
Similar-sized banks
First National Bank In Fredonia ($104.41M) · Woodruff Federal Savings And Loan Association ($104.22M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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