BanksCLAY COUNTY STATE BANK

CLAY COUNTY STATE BANK

LOUISVILLE, ILSmallEst. Sept. 13, 1905, midnightFDIC #10821RSSD #498942FDIC
Latest · 2025-12-31

CLAY COUNTY STATE BANK is an 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%. CET1 capital ratio: 11.04%, well above regulatory minimums. NPL ratio: 1.61% · Texas Ratio: 6.21%. Operates 1 domestic branch.

Assets
$106M
Deposits
$93M
Loans
$47M
Equity
$12M

Profitability

Return on Assets (ROA)1.51%
Return on Equity (ROE)13.48%
Net Interest Margin3.77%
Yield on Assets5.15%
Cost of Funds1.44%

Asset Quality

NPL Ratio1.61%
Net Charge-Off Ratio0.05%
Texas Ratio6.21%
NPA Ratio0.71%
ACL / Loans0.99%

Capital & Liquidity

CET1 Ratio11.04%
Tier 1 Capital11.04%
Total Capital Ratio11.60%
Leverage Ratio12.52%
Loan-to-Deposit50.32%

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