Louisville, IL · Cert 10821 · Clay Cnty State Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in IL (n=149 to 151). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
49
Asset Quality
28
Profitability
56
Liquidity
17
Efficiency
66
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Louisville, IL · Cert 10821 · Clay Cnty State Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.91% | 0.94% | 0.95% | 1.04% | 0.96% | 1.02% | 1.05% | 1.18% | +14 bps | |
| Return on Equity | 10.08% | 10.49% | 10.35% | 10.69% | 9.52% | 9.92% | 9.50% | 10.48% | -21 bps | |
| Net Interest Margin | 2.80% | 2.83% | 3.04% | 3.16% | 3.26% | 3.15% | 3.23% | 3.37% | +21 bps | |
| Efficiency Ratio | 63.55% | 63.21% | 62.83% | 60.55% | 62.07% | 61.21% | 62.01% | 58.82% | -173 bps | |
| Non-Interest Burden | 1.70% | 1.72% | 1.85% | 1.85% | 1.95% | 1.85% | 1.94% | 1.91% | +6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.31% | 4.65% | 0.16% | -1.97% | 1.34% | -2.69% | 1.55% | 3.69% | +566 bps | |
| Loan Growth (YoY) | -3.67% | -4.28% | -1.29% | 1.06% | 2.48% | -0.59% | 1.20% | 1.29% | +23 bps | |
| Deposit Growth (YoY) | -10.90% | 4.32% | -1.63% | -3.85% | 0.40% | -5.37% | 0.09% | 2.82% | +667 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.77% | 3.01% | 3.25% | 3.69% | 4.09% | 4.34% | 4.40% | 3.82% | +12 bps | |
| Net Charge-Offs / Loans | 0.18% | 0.12% | 0.00% | 0.00% | 0.12% | 0.05% | 0.09% | 0.03% | +3 bps | |
| Allowance / Loans | 0.99% | 0.96% | 0.99% | 0.97% | 0.95% | 0.99% | 0.98% | 0.97% | 0 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.3x | 0.3x | 0.3x | 0.2x | 0.2x | 0.2x | 0.3x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.39% | 11.86% | 12.34% | 12.86% | 13.59% | 12.52% | 12.52% | 13.18% | +32 bps | |
| Total Risk-Based Capital | 12.39% | 11.86% | 12.34% | 12.86% | 13.59% | 12.52% | 12.52% | 13.18% | +32 bps | |
| Equity / Assets | 10.61% | 8.58% | 9.84% | 10.72% | 11.42% | 11.04% | 11.15% | 11.49% | +77 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 50.36% | 47.90% | 48.99% | 52.33% | 51.41% | 50.32% | 49.53% | 51.56% | -78 bps | |
| Liquid Assets / Assets | 20.89% | 19.59% | 20.79% | 15.16% | 17.63% | 17.68% | 18.56% | 11.31% | -385 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 68.46% | 75.89% | 76.16% | n/a | n/a | |
Louisville, IL · Cert 10821 · Peer group: banks under $1B in assets in IL (n=149-151) · Clay Cnty State Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets
1.19%
Rank 56 of 151
Net Interest Margin
3.37%
Rank 84 of 151
Efficiency Ratio
58.82%
Rank 53 of 151
Equity / Assets
11.49%
Rank 51 of 151
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.19% | 0.70% | 1.03% | 1.34% | Beats 63% | 56 / 151 | ||
| Return on Equity | 10.36% | 6.74% | 9.34% | 12.94% | Beats 60% | 61 / 151 | ||
| Net Interest Margin | 3.37% | 3.02% | 3.43% | 3.83% | Beats 44% | 84 / 151 | ||
| Efficiency Ratio | 58.82% | 54.64% | 64.89% | 72.50% | Beats 66% | 53 / 151 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 3.82% | 0.20% | 0.66% | 1.77% | Beats 9% | 137 / 149 | ||
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.02% | 0.07% | Beats 47% | 80 / 149 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.18% | 11.83% | 14.17% | 18.66% | Beats 42% | 88 / 151 | ||
| Total Risk-Based Capital Ratio | 13.18% | 12.22% | 14.54% | 19.92% | Beats 38% | 93 / 151 | ||
| Equity / Assets | 11.49% | 9.10% | 10.65% | 12.40% | Beats 66% | 51 / 151 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 51.55% | 54.39% | 71.02% | 80.75% | 19th pctl | 121 / 149 | ||
| Loans / Assets | 45.33% | 45.91% | 61.31% | 68.01% | 21st pctl | 119 / 151 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||