Clay County State Bank
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Data as of · sourced from FFIEC call reports. How we update
Clay County State Bank is an FDIC-insured commercial bank headquartered in Louisville, IL, established in 1905 (FDIC certificate 10821), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $104.3M, up 3.7% from Q2 2025, the 260th largest of 319 banks headquartered in Illinois. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.18% 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
- 10821
- Headquarters
- Louisville, IL
- Established
- 1905
- Total assets, Q2 2026
- $104.3M
- Assets vs Q2 2025
- +3.7%
- Tier 1 leverage ratio, Q2 2026
- 13.18%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 081209985
- Holding company
- CLAY COUNTY STATE BANCSHARES, INC.
- Asset rank in state
- 260th of 319 in Illinois
Clay County State Bank, based in Louisville, Illinois, reported $104 million in assets at June 30, 2026, up 3.7% from a year earlier. It carries problem assets equal to 14.8% of the capital and reserves that would absorb them, 5.6 times the median of 2.6% for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it pays an average of 1.30% on its deposits and borrowings, lower than about three-quarters of banks its size (median 1.80%).
The commercial and industrial book ($4.8 million) is worsening: 12.05% of it is past due or on nonaccrual, up from 6.63% a year earlier. Its $11 million non-owner-occupied commercial real estate book is improving, with 3.53% past due or on nonaccrual, down from 4.80% a year earlier. One more trend to watch: problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 3.82% of loans from 3.69% a year earlier.
As of June 30, 2026, Clay County State Bank reported a return on assets of 1.61%, a nonperforming-loan ratio of 3.82% and a Texas ratio of 14.83%. The figures come from its call report filed with the FFIEC.
Clay County State Bank ranks as the 260th largest of the 319 banks based in Illinois, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 2.2% to $104.3M, loans rose 1.4% and deposits fell 2.6%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 27.6% of total loans, ahead of non-owner-occupied commercial real estate loans at 24.1%. The FDIC Summary of Deposits lists a single office for it, in Louisville, IL. Judged on its Q2 2026 call report, Clay County State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 111 N Church St, Louisville, IL 62858
- County
- Clay
- 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
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- September 13, 1905
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 15
- Domestic deposits
- $91.7M
- Allowance for credit losses
- $457K
- Net charge-offs (YTD)
- $8K
- Average total assets
- $108.0M
- Average total loans
- $45.8M
- Average interest-bearing deposits
- $78.0M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10821
- Fed RSSD
- 498942
- Website
- www.claycobank.com →
- Parent Holding Company
- CLAY COUNTY STATE BANCSHARES, INC. (RSSD 3390159)
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, Clay County State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Clay County State Bank's total assets ranged from $100.6M (Q2 2025) to $110.2M (Q3 2023), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$104.3M total assets against $100.6M; $92.3M total liabilities against $89.8M.
$46.8M net loans and leases against $46.2M; $91.7M total deposits against $89.2M.
$42.8M securities against $36.1M; $13.6M cash and balances due against $17.2M.
$1.2M total interest income against $1.2M; $303K total interest expense against $329K.
$928K net interest income against $860K.
$56K total noninterest income against $43K; $549K total noninterest expense against $527K.
$0 provision for credit losses against $0.
$435K net income against $367K.
1.61% return on assets against 1.38%; 3.54% net interest margin against 3.24%.
13.18% tier 1 leverage ratio against 12.86%.
Inside the full Clay County 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.
Clay County State Bank rankings
Its closest position to the top of a national ranking is 320 of 3,640, for Texas Ratio; its furthest is 3,635 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.06% (Q3 2025) to 1.61% (Q2 2026) and its net interest margin ran from 2.95% (Q3 2024) to 3.54% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.18% | 1.61% | 3.82% | 14.83% | 3.54% |
| Q1 2026 | 12.52% | 1.29% | 4.40% | 16.96% | 3.29% |
| Q4 2025 | 12.52% | 1.46% | 4.34% | 16.79% | 3.40% |
| Q3 2025 | 13.59% | 1.06% | 4.09% | 15.59% | 3.29% |
| Q2 2025 | 12.86% | 1.38% | 3.69% | 15.34% | 3.24% |
| Q1 2025 | 12.34% | 1.19% | 3.25% | 13.88% | 3.09% |
| Q4 2024 | 11.86% | 1.24% | 3.01% | 14.54% | 3.13% |
| Q3 2024 | 12.39% | 1.23% | 1.77% | 7.15% | 2.95% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| Clay County State Bank (main office) | Louisville , IL | 62858 | $91.7M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 303 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 Clay County State Bank
What are Clay County State Bank's total assets?
As of the Q2 2026 filing, Clay County State Bank reported total assets of $104.3 million in its FFIEC call report.
Where is Clay County State Bank headquartered?
It is headquartered in Louisville, IL, United States.
When was Clay County State Bank founded?
It was established in 1905, per the FDIC institution directory.
Is Clay County State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #10821). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Clay County State Bank?
Clay County State Bank's primary federal regulator is the FDIC.
How many branches does Clay County State Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Clay County State Bank's Texas Ratio?
Its Texas Ratio is 14.83% 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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