Central State Bank (Clayton, IL)
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Data as of · sourced from FFIEC call reports. How we update
Central State Bank is an FDIC-insured commercial bank headquartered in Clayton, IL, established in 1928 (FDIC certificate 8487), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $175.1M, down 2.5% from Q2 2025, the 215th largest of 319 banks headquartered in Illinois. It reports no CET1 ratio; its Tier 1 leverage ratio was 17.92% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 8487
- Headquarters
- Clayton, IL
- Established
- 1928
- Total assets, Q2 2026
- $175.1M
- Assets vs Q2 2025
- -2.5%
- Tier 1 leverage ratio, Q2 2026
- 17.92%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 081221235
- Holding company
- CLAYTON BANCSHARES, INC.
- Asset rank in state
- 215th of 319 in Illinois
Central State Bank is one of the more profitable banks of its size. The Clayton, Illinois bank had $175 million in assets at June 30, 2026, down 2.5% from a year earlier. It earns about $2.44 a year on every $100 of assets, about double the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also funds 17.92% of its assets with Tier 1 capital, higher than about 9 in 10 banks its size (median 10.99%). Much of that comes from cost control: it spends about 50 cents to bring in each dollar of revenue.
Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 3.07% of loans, down from 5.05% a year earlier. Its $15 million commercial and industrial book is improving, with 6.12% past due or on nonaccrual, down from 9.47% a year earlier. Credit is the area to watch: it carries problem assets equal to 11.3% of the capital and reserves that would absorb them, 4.3 times the median of 2.6% for banks its size.
As of June 30, 2026, Central State Bank reported a return on assets of 2.44%, a nonperforming-loan ratio of 3.07% and a Texas ratio of 11.29%. The figures come from its call report filed with the FFIEC.
Central State Bank ranks as the 215th largest of the 319 banks based in Illinois, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 1.7% to $175.1M, loans fell 1.5% and deposits fell 2.2%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 37.7% of total loans, followed by farmland and other real estate loans at 25.6%. The FDIC Summary of Deposits lists 4 offices for it, in 4 cities in IL; its Pleasant Hill office books 40% of its branch deposits. By the capital ratios in its Q2 2026 call report, Central State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 100 W Main St, Clayton, IL 62324
- County
- Adams
- Metro Area
- Quincy, IL-MO
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- May 1, 1928
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 34
- Domestic deposits
- $143.2M
- Allowance for credit losses
- $2.1M
- Net charge-offs (YTD)
- $11K
- Average total assets
- $178.2M
- Average total loans
- $116.1M
- Average interest-bearing deposits
- $121.7M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 8487
- Fed RSSD
- 152440
- Website
- WWW.CSB123.COM →
- Parent Holding Company
- CLAYTON BANCSHARES, INC. (RSSD 1095861)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Central State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Central State Bank's total assets moved between a low of $160.4M (Q3 2023) and a high of $181.1M (Q1 2025) from Q3 2023 to Q2 2026, and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$175.1M total assets against $179.5M; $143.8M total liabilities against $150.0M.
$113.0M net loans and leases against $131.3M; $143.2M total deposits against $149.4M.
$17.8M securities against $13.9M; $41.6M cash and balances due against $31.3M.
$2.6M total interest income against $2.7M; $780K total interest expense against $912K.
$1.8M net interest income against $1.8M.
$345K total noninterest income against $311K; $1.1M total noninterest expense against $1.1M.
$0 provision for credit losses against $0.
$1.1M net income against $966K.
2.44% return on assets against 2.15%; 4.18% net interest margin against 4.08%.
17.92% tier 1 leverage ratio against 16.85%.
Inside the full Central State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Central State Bank rankings
Its closest position to the top of a national ranking is 186 of 3,611, for ROA; its furthest is 3,134 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.53% (Q3 2025) to 3.42% (Q1 2026) and its net interest margin ran from 3.76% (Q1 2025) to 5.33% (Q1 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.92% | 2.44% | 3.07% | 11.29% | 4.18% |
| Q1 2026 | 17.84% | 3.42% | 3.66% | 13.72% | 5.33% |
| Q4 2025 | 17.01% | 2.05% | 4.44% | 17.90% | 4.03% |
| Q3 2025 | 16.60% | -0.53% | 4.48% | 19.48% | 4.15% |
| Q2 2025 | 16.85% | 2.15% | 5.05% | 23.04% | 4.08% |
| Q1 2025 | 16.87% | 2.01% | 4.64% | 21.23% | 3.76% |
| Q4 2024 | 16.64% | 1.43% | 3.95% | 19.42% | 4.30% |
| Q3 2024 | 16.92% | 2.10% | 3.16% | 16.49% | 4.09% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Pleasant Hill Branch | Pleasant Hill , IL | 62366 | $56.8M |
| 12th Street Quincy Branch | Quincy , IL | 62301 | $46.0M |
| Kinderhook Branch | Kinderhook , IL | 62345 | $22.5M |
| Central State Bank (main office) | Clayton , IL | 62324 | $18.0M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| May 1, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 1, 2013 | Structure Change | Acquired Kinderhook State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 259 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $79K approved, $40K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1995 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Central State Bank
What are Central State Bank's total assets?
As of the Q2 2026 filing, Central State Bank reported total assets of $175.1 million in its FFIEC call report.
Where is Central State Bank headquartered?
It is headquartered in Clayton, IL, United States.
When was Central State Bank founded?
It was established in 1928, per the FDIC institution directory.
Is Central State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #8487). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Central State Bank?
Central State Bank's primary federal regulator is the FDIC.
How many branches does Central State Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Central State Bank's Texas Ratio?
Its Texas Ratio is 11.29% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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