Louisville, IL · Cert 10821 · Clay Cnty State Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.03% | 1.03% | 0.95% | 1.12% | 0.83% | 1.19% | 1.05% | 1.29% | +17 bps | |
| Return on Equity | 10.48% | 10.76% | 10.35% | 10.93% | 7.51% | 10.64% | 9.50% | 11.44% | +51 bps | |
| Net Interest Margin | 2.90% | 3.09% | 3.04% | 3.23% | 3.18% | 3.35% | 3.23% | 3.44% | +20 bps | |
| Efficiency Ratio | 60.73% | 62.27% | 62.83% | 58.36% | 65.17% | 58.84% | 62.01% | 55.79% | -257 bps | |
| Non-Interest Burden | 1.67% | 1.85% | 1.85% | 1.82% | 2.00% | 1.89% | 1.94% | 1.83% | +1 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 | 0.01% | -0.03% | 0.00% | 0.01% | 0.35% | -0.17% | 0.09% | -0.02% | -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 | |