Clay County State Bank
Louisville, IL · Cert 10821 · Peer group: banks under $1B in assets in IL (n=146-148) · Clay Cnty State Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
$104.3MAssets
$47.3MLoans
$91.7MDeposits
$12.0MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 66% of banks under $1B in assets in IL (rank 51 of 148).
- Widest gap: nonperforming loans / loans trails 92% of banks under $1B in assets in IL (rank 135 of 146).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.19%
Rank 56 of 148
Net Interest Margin
3.37%
Rank 83 of 148
Efficiency Ratio
58.82%
Rank 53 of 148
Equity / Assets
11.49%
Rank 51 of 148
Non-interest income vs. expense
Unfavorable gap of $2.1M · efficiency ratio beats 65% of banks under $1B in assets in IL | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.19% | 0.74% | 1.04% | 1.35% | Beats 62% | 56 / 148 | |
| Return on Equity | 10.36% | 6.82% | 9.34% | 12.94% | Beats 59% | 60 / 148 | |
| Net Interest Margin | 3.37% | 3.04% | 3.45% | 3.85% | Beats 44% | 83 / 148 | |
| Efficiency Ratio | 58.82% | 54.64% | 64.64% | 72.22% | Beats 65% | 53 / 148 | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.82% | 0.20% | 0.66% | 1.77% | Beats 8% | 135 / 146 | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.02% | 0.07% | Beats 47% | 79 / 146 | |
| Capital |
| Tier 1 Capital Ratio | 13.18% | 11.87% | 14.21% | 19.02% | Beats 41% | 88 / 148 | |
| Total Risk-Based Capital Ratio | 13.18% | 12.22% | 14.72% | 19.93% | Beats 37% | 93 / 148 | |
| Equity / Assets | 11.49% | 9.29% | 10.67% | 12.50% | Beats 66% | 51 / 148 | |
| Liquidity & Funding |
| Loans / Deposits | 51.55% | 54.39% | 71.02% | 80.75% | 18th pctl | 119 / 146 | |
| Loans / Assets | 45.33% | 46.03% | 61.31% | 68.01% | 21st pctl | 117 / 148 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |