Clay County State Bank
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
$104.3MAssets
$47.3MLoans
$91.7MDeposits
$12.0MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 66% of banks under $1B in assets in IL (rank 53 of 151).
- Widest gap: nonperforming loans / loans trails 91% of banks under $1B in assets in IL (rank 137 of 149).
- Overall: at or above the peer median on 4 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $2.1M · efficiency ratio beats 66% 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% | 0.70% | 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 |