Clay County State Bank is a state-chartered bank headquartered in Louisville, Illinois, in business for about 121 years. At the end of Q2 2026 it reported $104.3M in total assets and $91.7M in deposits, with 1 office.
Based on its Q2 2026 filing, Clay County State Bank scores 59/100, which we describe as moderate. That is higher than only 17% of 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 258th. Its strongest component is capital cushion (82/100; 13.18%), and its lowest is loan quality (0/100; 3.82%).
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 2 points (57 → 59), mostly because the earnings component improved by 7 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 62 |
| Q3 2024 | 66 |
| Q4 2024 | 52 |
| Q1 2025 | 54 |
| Q2 2025 | 57 |
| Q3 2025 | 59 |
| Q4 2025 | 55 |
| Q1 2026 | 55 |
| Q2 2026 | 59 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.73% |
| Q3 2024 | 12.39% |
| Q4 2024 | 11.86% |
| Q1 2025 | 12.34% |
| Q2 2025 | 12.86% |
| Q3 2025 | 13.59% |
| Q4 2025 | 12.52% |
| Q1 2026 | 12.52% |
| Q2 2026 | 13.18% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 2.15% |
| Q3 2024 | 1.77% |
| Q4 2024 | 3.01% |
| Q1 2025 | 3.25% |
| Q2 2025 | 3.69% |
| Q3 2025 | 4.09% |
| Q4 2025 | 4.34% |
| Q1 2026 | 4.40% |
| Q2 2026 | 3.82% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.08% |
| Q3 2024 | 1.15% |
| Q4 2024 | 1.18% |
| Q1 2025 | 1.21% |
| Q2 2025 | 1.32% |
| Q3 2025 | 1.23% |
| Q4 2025 | 1.30% |
| Q1 2026 | 1.34% |
| Q2 2026 | 1.50% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 59 | $104.3M | 13.18% | 3.82% | 1.50% | 51.1% |
| Q1 2026 | 55 | $106.7M | 12.52% | 4.40% | 1.34% | 49.0% |
| Q4 2025 | 55 | $105.7M | 12.52% | 4.34% | 1.30% | 49.8% |
| Q3 2025 | 59 | $103.5M | 13.59% | 4.09% | 1.23% | 50.9% |
| Q2 2025 | 57 | $100.6M | 12.86% | 3.69% | 1.32% | 51.8% |
| Q1 2025 | 54 | $105.0M | 12.34% | 3.25% | 1.21% | 48.5% |
| Q4 2024 | 52 | $108.6M | 11.86% | 3.01% | 1.18% | 47.4% |
| Q3 2024 | 66 | $102.1M | 12.39% | 1.77% | 1.15% | 49.9% |
| Q2 2024 | 62 | $102.6M | 12.73% | 2.15% | 1.08% | 49.3% |
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 |
|---|---|---|---|---|---|
| The First National Bank of LaconBank Lacon, IL | 78 out of 100, Strong | $103.7M | 11.8% | 0.14% | vs |
| The Gerber State BankBank Argenta, IL | 71 out of 100, Strong | $100.8M | 12.3% | 1.31% | vs |
| Nashville Savings BankBank Nashville, IL | 84 out of 100, Strong | $107.9M | 12.9% | 0.00% | vs |
| Anderson State BankBank Oneida, IL | 96 out of 100, Very strong | $108.9M | 17.3% | 0.00% | vs |
| Midland Federal Savings and Loan AssociationBank Bridgeview, IL | 51 out of 100, Below average | $111.2M | 8.5% | 1.00% | vs |
| Anna State BankBank Anna, IL | 81 out of 100, Strong | $111.6M | 12.5% | 0.02% | vs |
Deposit insurance
Is my money safe at Clay County State Bank?
Yes. Clay County State Bank is an FDIC-insured institution (FDIC certificate #10821). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 36.6% of deposits ($33.6M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 13.18%, 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%).
1 location
Branches
Clay County State Bank lists 1 office in 1 city. Most locations:
- Louisville, IL (1)
Identity & history
Profile
- Legal name
- Clay County State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 10821
- RSSD ID
- 498942
- Primary regulator
- FDIC
- Holding company
- Clay Cnty State Bancshares Inc
- Established
- September 13, 1905
- Headquarters
- 111 N Church St, Louisville, IL 62858
- Website
- www.claycobank.com
- Employees
- 15
Quick answers
Clay County State Bank: common questions
Is Clay County State Bank FDIC insured?
Yes. Clay County State Bank is an FDIC-insured institution (FDIC certificate #10821). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Clay County State Bank's TellerScore?
59 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Clay County State Bank ever failed?
There is no failure record for FDIC certificate #10821 in the FDIC failed bank list.
How many branches does Clay County State Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Louisville
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Citizens National Bank of AlbionBank Albion, IL | 88 out of 100, Very strong | $348.5M | 17.4% | 0.54% | vs |
| First Community Bank, Xenia-FloraBank Xenia, IL | 86 out of 100, Very strong | $55.5M | 12.0% | 0.22% | vs |
| Kinmundy BankBank Kinmundy, IL | 85 out of 100, Very strong | $80.1M | 13.0% | 0.67% | vs |
| First State Bank of St. PeterBank Saint Peter, IL | 83 out of 100, Strong | $30.1M | 18.5% | 1.71% | vs |
| The Peoples State Bank of Newton, IllinoisBank Newton, IL | 81 out of 100, Strong | $736.7M | 13.5% | 0.54% | vs |
| First Mid Bank & Trust, National AssociationBank Mattoon, IL | 70 out of 100, Strong | $9.1B | 10.7% | 0.58% | vs |