Central State Bank is a state-chartered bank headquartered in Clayton, Illinois, in business for about 98 years. At the end of Q2 2026 it reported $175.1M in total assets and $143.2M in deposits, with 4 offices.
Central State Bank has a TellerScore of 70 out of 100 (strong) based on Q2 2026 data — higher than only 43% of its 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 170th. Capital cushion contributes the most (100/100, 17.92%); loan quality contributes the least (0/100, 3.07%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 4 points (66 → 70), mostly because the problem-loan coverage component improved by 23 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 67 |
| Q3 2024 | 67 |
| Q4 2024 | 66 |
| Q1 2025 | 67 |
| Q2 2025 | 66 |
| Q3 2025 | 61 |
| Q4 2025 | 64 |
| Q1 2026 | 70 |
| Q2 2026 | 70 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 16.60% |
| Q3 2024 | 16.92% |
| Q4 2024 | 16.64% |
| Q1 2025 | 16.87% |
| Q2 2025 | 16.85% |
| Q3 2025 | 16.60% |
| Q4 2025 | 17.01% |
| Q1 2026 | 17.84% |
| Q2 2026 | 17.92% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 3.29% |
| Q3 2024 | 3.16% |
| Q4 2024 | 3.95% |
| Q1 2025 | 4.64% |
| Q2 2025 | 5.05% |
| Q3 2025 | 4.48% |
| Q4 2025 | 4.44% |
| Q1 2026 | 3.66% |
| Q2 2026 | 3.07% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 2.15% |
| Q3 2024 | 2.13% |
| Q4 2024 | 1.96% |
| Q1 2025 | 2.01% |
| Q2 2025 | 2.08% |
| Q3 2025 | 1.22% |
| Q4 2025 | 1.42% |
| Q1 2026 | 3.41% |
| Q2 2026 | 2.94% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 70 | $175.1M | 17.92% | 3.07% | 2.94% | 78.9% |
| Q1 2026 | 70 | $178.1M | 17.84% | 3.66% | 3.41% | 78.4% |
| Q4 2025 | 64 | $177.2M | 17.01% | 4.44% | 1.42% | 80.8% |
| Q3 2025 | 61 | $176.1M | 16.60% | 4.48% | 1.22% | 85.2% |
| Q2 2025 | 66 | $179.5M | 16.85% | 5.05% | 2.08% | 87.8% |
| Q1 2025 | 67 | $181.1M | 16.87% | 4.64% | 2.01% | 86.5% |
| Q4 2024 | 66 | $175.3M | 16.64% | 3.95% | 1.96% | 91.2% |
| Q3 2024 | 67 | $172.3M | 16.92% | 3.16% | 2.13% | 94.5% |
| Q2 2024 | 67 | $172.9M | 16.60% | 3.29% | 2.15% | 90.6% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Illinois
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Iroquois Farmers State BankBank Iroquois, IL | 57 out of 100, Moderate | $174.5M | 9.1% | 1.96% | vs |
| Waterman BankBank Waterman, IL | 60 out of 100, Moderate | $173.6M | 13.2% | 1.78% | vs |
| DeWitt Savings BankBank Clinton, IL | 64 out of 100, Moderate | $173.2M | 10.5% | 1.21% | vs |
| United Trust BankBank Palos Heights, IL | 65 out of 100, Moderate | $178.2M | 10.0% | 0.43% | vs |
| Illini State BankBank Oglesby, IL | 70 out of 100, Strong | $171.9M | 14.4% | 1.86% | vs |
| State Bank of WhittingtonBank Benton, IL | 51 out of 100, Below average | $180.1M | 11.5% | 4.43% | vs |
Deposit insurance
Is my money safe at Central State Bank?
Yes. Central State Bank is an FDIC-insured institution (FDIC certificate #8487). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 3.0% of deposits ($4.3M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 17.92%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
4 locations
Branches
Central State Bank lists 4 offices in 4 cities. Most locations:
- Clayton, IL (1)
- Kinderhook, IL (1)
- Pleasant Hill, IL (1)
- Quincy, IL (1)
Identity & history
Profile
- Legal name
- Central State Bank
- Former names
- Clayton State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 8487
- RSSD ID
- 152440
- Primary regulator
- FDIC
- Holding company
- Clayton Bancshares Inc
- Established
- May 1, 1928
- Headquarters
- 100 W Main St, Clayton, IL 62324
- Website
- www.csb123.com
- Employees
- 34
Quick answers
Central State Bank: common questions
Is Central State Bank FDIC insured?
Yes. Central State Bank is an FDIC-insured institution (FDIC certificate #8487). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Central State Bank's TellerScore?
70 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Central State Bank ever failed?
There is no failure record for FDIC certificate #8487 in the FDIC failed bank list.
How many branches does Central State Bank have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Clayton
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Rushville State BankBank Rushville, IL | 94 out of 100, Very strong | $134.8M | 14.3% | 0.19% | vs |
| Liberty BankBank Liberty, IL | 86 out of 100, Very strong | $193.9M | 12.2% | 0.14% | vs |
| State Bank of IndustryBank Industry, IL | 86 out of 100, Very strong | $64.3M | 14.2% | 0.44% | vs |
| Great Rivers BankBank Barry, IL | 81 out of 100, Strong | $194.6M | 11.2% | 0.11% | vs |
| The Bank of AdvanceBank Advance, MO | 81 out of 100, Strong | $509.9M | 13.0% | 0.75% | vs |
| State Street Bank and Trust CompanyBank Quincy, IL | 77 out of 100, Strong | $357.1M | 10.0% | 0.39% | vs |