Central State Bank
Clayton, IL · Cert 8487 · Peer group: banks under $1B in assets in IL (n=149-151) · Clayton Bancshares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
$175.1MAssets
$115.1MLoans
$143.2MDeposits
$31.3MEquity
Executive Summary
- Strongest standing: return on assets outperforms 98% of banks under $1B in assets in IL (rank 3 of 151).
- Widest gap: nonperforming loans / loans trails 89% of banks under $1B in assets in IL (rank 133 of 149).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
2.33%
Rank 3 of 151
Net Interest Margin
4.65%
Rank 5 of 151
Efficiency Ratio
45.27%
Rank 8 of 151
Equity / Assets
17.85%
Rank 9 of 151
Non-interest income vs. expense
Unfavorable gap of $3.1M · efficiency ratio beats 95% 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 | 2.33% | 0.70% | 1.03% | 1.34% | Beats 98% | 3 / 151 | |
| Return on Equity | 13.07% | 6.74% | 9.34% | 12.94% | Beats 77% | 34 / 151 | |
| Net Interest Margin | 4.65% | 3.02% | 3.43% | 3.83% | Beats 97% | 5 / 151 | |
| Efficiency Ratio | 45.27% | 54.64% | 64.89% | 72.50% | Beats 95% | 8 / 151 | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.07% | 0.20% | 0.66% | 1.77% | Beats 11% | 133 / 149 | |
| Net Charge-Offs / Loans | 0.13% | 0.00% | 0.02% | 0.07% | Beats 19% | 122 / 149 | |
| Capital |
| Tier 1 Capital Ratio | 17.92% | 11.83% | 14.17% | 18.66% | Beats 72% | 43 / 151 | |
| Total Risk-Based Capital Ratio | 17.92% | 12.22% | 14.54% | 19.92% | Beats 70% | 45 / 151 | |
| Equity / Assets | 17.85% | 9.10% | 10.65% | 12.40% | Beats 94% | 9 / 151 | |
| Liquidity & Funding |
| Loans / Deposits | 80.37% | 54.39% | 71.02% | 80.75% | 74th pctl | 39 / 149 | |
| Loans / Assets | 65.76% | 45.91% | 61.31% | 68.01% | 64th pctl | 54 / 151 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |