CLAY COUNTY STATE BANK

LOUISVILLE, IL | Small | Est. Sept. 13, 1905, midnight | FDIC #10821 | RSSD #498942 | FDIC
Latest Report: 2025-12-31

CLAY COUNTY STATE BANK is asn small FDIC-insured commercial bank headquartered in LOUISVILLE, IL, established in Sept. 13, 1905, midnight. As of 2025-12-31, the bank reported total assets of $106M and total deposits of $93M. Profitability stands at 1.51% ROA and 13.48% ROE, with a net interest margin of 3.77%. The bank's CET1 capital ratio is 11.04%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.61% and a Texas Ratio of 6.21%. FDIC Certificate #10821.

Assets

$106M

Deposits

$93M

Loans

$47M

Equity

$12M

Profitability

Return on Assets (ROA) 1.51%
Return on Equity (ROE) 13.48%
Net Interest Margin (NIM) 3.77%
Yield on Assets 5.15%
Cost of Funds 1.74%

Asset Quality

NPL Ratio 1.61%
Net Charge-Off Ratio 0.05%
Texas Ratio 6.21%
NPA Ratio 0.71%
ACL / Loans 0.99%

Capital & Liquidity

CET1 Ratio 11.04%
Tier 1 Capital 11.04%
Total Capital Ratio 11.60%
Leverage Ratio 12.52%
Loan-to-Deposit 50.32%

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