PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Clay County State Bank

Louisville, IL · Cert 10821 · Clay Cnty State Bancshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$104.3MAssets
$47.3MLoans
$91.7MDeposits
$12.0MEquity
Loan mix
74%RE $30.1M12%C&I $4.9M14%Consumer $5.9MQ2 2025Q2 2026
Deposit mix
85%Interest-bearing $77.9M15%Noninterest $13.8MQ2 2025Q2 2026

NIM

4.48%Q2 ’244.47%Q2 ’254.56%Q2 ’26+10%+6%

Non-interest income vs. expense

1.90%Q2 ’241.98%Q2 ’252.03%Q2 ’26+9%+0%

Executive Summary

  • Earnings: ROA of 1.29%, up 17 bps year over year; NIM at 3.44%.
  • Asset quality: problem loans at 3.82% of loans (+12 bps YoY), with net recoveries of 0.02%.
  • Capital: tier 1 leverage ratio of 13.18%, up 32 bps from a year ago.
  • Funding: loans stand at 51.56% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.29%+17 bps YoY

Net Interest Margin (quarter, annualized)

3.44%+20 bps YoY

Efficiency Ratio (quarter, annualized)

55.79%-257 bps YoY

Tier 1 Leverage Ratio

13.18%+32 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.12%0.83%1.19%1.05%1.29%+17 bps
Return on Equity10.93%7.51%10.64%9.50%11.44%+51 bps
Net Interest Margin3.23%3.18%3.35%3.23%3.44%+20 bps
Efficiency Ratio58.36%65.17%58.84%62.01%55.79%-257 bps
Non-Interest Burden1.82%2.00%1.89%1.94%1.83%+1 bps
Growth
Asset Growth (YoY)-1.97%1.34%-2.69%1.55%3.69%+566 bps
Loan Growth (YoY)1.06%2.48%-0.59%1.20%1.29%+23 bps
Deposit Growth (YoY)-3.85%0.40%-5.37%0.09%2.82%+667 bps
Asset Quality
Nonperforming Loans / Loans3.69%4.09%4.34%4.40%3.82%+12 bps
Net Charge-Offs / Loans0.01%0.35%-0.17%0.09%-0.02%-3 bps
Allowance / Loans0.97%0.95%0.99%0.98%0.97%0 bps
Allowance Coverage of NPLs0.3x0.2x0.2x0.2x0.3x0.0x
Capital
Tier 1 Leverage Ratio12.86%13.59%12.52%12.52%13.18%+32 bps
Total Risk-Based Capital12.86%13.59%12.52%12.52%13.18%+32 bps
Equity / Assets10.72%11.42%11.04%11.15%11.49%+77 bps
Liquidity & Funding
Loans / Deposits52.33%51.41%50.32%49.53%51.56%-78 bps
Liquid Assets / Assets15.16%17.63%17.68%18.56%11.31%-385 bps
CRE / Total Capitaln/a68.46%75.89%76.16%n/an/a