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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 $5.9MQ3 2024Q2 2026
Deposit mix
85%Interest-bearing $77.9M15%Noninterest $13.8MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.18%, up 14 bps year over year; NIM at 3.37%.
  • Asset quality: problem loans at 3.82% of loans (+12 bps YoY), with net charge-offs at 0.03%.
  • 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.

Return on Assets (YTD, annualized)

1.18%+14 bps YoY

Net Interest Margin (YTD, annualized)

3.37%+21 bps YoY

Efficiency Ratio (YTD, annualized)

58.82%-173 bps YoY

Tier 1 Leverage Ratio

13.18%+32 bps YoY

NIM

4.37%Q2 ’244.43%Q2 ’254.50%Q2 ’26+10%+7%

Non-interest income vs. expense

2.02%Q2 ’242.02%Q2 ’252.09%Q2 ’26+3%+3%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.91%0.94%0.95%1.04%0.96%1.02%1.05%1.18%+14 bps
Return on Equity10.08%10.49%10.35%10.69%9.52%9.92%9.50%10.48%-21 bps
Net Interest Margin2.80%2.83%3.04%3.16%3.26%3.15%3.23%3.37%+21 bps
Efficiency Ratio63.55%63.21%62.83%60.55%62.07%61.21%62.01%58.82%-173 bps
Non-Interest Burden1.70%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 / Loans1.77%3.01%3.25%3.69%4.09%4.34%4.40%3.82%+12 bps
Net Charge-Offs / Loans0.18%0.12%0.00%0.00%0.12%0.05%0.09%0.03%+3 bps
Allowance / Loans0.99%0.96%0.99%0.97%0.95%0.99%0.98%0.97%0 bps
Allowance Coverage of NPLs0.6x0.3x0.3x0.3x0.2x0.2x0.2x0.3x0.0x
Capital
Tier 1 Leverage Ratio12.39%11.86%12.34%12.86%13.59%12.52%12.52%13.18%+32 bps
Total Risk-Based Capital12.39%11.86%12.34%12.86%13.59%12.52%12.52%13.18%+32 bps
Equity / Assets10.61%8.58%9.84%10.72%11.42%11.04%11.15%11.49%+77 bps
Liquidity & Funding
Loans / Deposits50.36%47.90%48.99%52.33%51.41%50.32%49.53%51.56%-78 bps
Liquid Assets / Assets20.89%19.59%20.79%15.16%17.63%17.68%18.56%11.31%-385 bps
CRE / Total Capitaln/an/an/an/a68.46%75.89%76.16%n/an/a