Clay County State Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Securities to assets: 5.44 percentage points higher than in Q1 2026, at 41.04%. Clay County State Bank ranks 76th of 323 Illinois banks on return on assets, in the upper half at 1.61% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Clay County State Bank sits 0.36 points higher, at 1.61% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 13.18% |
| Equity capital to assets | 11.49% |
| Tangible equity to tangible assets | 11.49% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 3.24% |
| Non-performing assets ratio | 1.51% |
| Net charge-off ratio | -0.02% |
| Texas ratio | 21.80% |
| Allowance for credit losses to loans | 0.97% |
| Reserve coverage of non-performing loans | 29.85% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.61% |
| Return on equity | 14.58% |
| Net interest margin | 3.54% |
| Efficiency ratio | 55.43% |
| Yield on earning assets | 4.69% |
| Cost of funds | 1.30% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 51.56% |
| Core deposits to total deposits | 97.58% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.92% |
| Securities to assets | 41.04% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 12.42% | 1.54% | 3.16% | 2.86% | -0.02% |
| Q4 2023 | 12.19% | 1.05% | 3.00% | 2.73% | -0.26% |
| Q1 2024 | 12.56% | 0.90% | 2.77% | 2.99% | 0.01% |
| Q2 2024 | 12.73% | 1.27% | 2.85% | 2.82% | 0.52% |
| Q3 2024 | 12.39% | 1.23% | 2.95% | 2.85% | 0.01% |
| Q4 2024 | 11.86% | 1.24% | 3.13% | 2.70% | -0.03% |
| Q1 2025 | 12.34% | 1.19% | 3.09% | 2.74% | 0.00% |
| Q2 2025 | 12.86% | 1.38% | 3.24% | 2.78% | 0.01% |
| Q3 2025 | 13.59% | 1.06% | 3.29% | 3.58% | 0.35% |
| Q4 2025 | 12.52% | 1.46% | 3.40% | 3.50% | -0.17% |
| Q1 2026 | 12.52% | 1.29% | 3.29% | 3.38% | 0.09% |
| Q2 2026 | 13.18% | 1.61% | 3.54% | 3.24% | -0.02% |
Clay County State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Clay County State Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Clay County State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10821) · FFIEC NIC profile (RSSD 498942)