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Central State Bank

Clayton, IL · Cert 8487 · Clayton Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$175.1MAssets
$115.1MLoans
$143.2MDeposits
$31.3MEquity
Loan mix
75%RE $82.1M13%C&I $14.5M12%Consumer $13.1MQ3 2024Q2 2026
Deposit mix
84%Interest-bearing $119.6M16%Noninterest $23.6MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 2.31%, up 67 bps year over year; NIM at 4.65%.
  • Asset quality: problem loans at 3.07% of loans (-198 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 17.92%, up 107 bps from a year ago.
  • Funding: loans stand at 80.37% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

2.31%+67 bps YoY

Net Interest Margin (YTD, annualized)

4.65%+84 bps YoY

Efficiency Ratio (YTD, annualized)

45.27%-844 bps YoY

Tier 1 Leverage Ratio

17.92%+107 bps YoY

NIM

5.95%Q2 ’245.88%Q2 ’256.45%Q2 ’26-4%+22%

Non-interest income vs. expense

2.44%Q2 ’242.40%Q2 ’252.41%Q2 ’260%0%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.68%1.55%1.58%1.64%0.96%1.12%2.68%2.31%+67 bps
Return on Equity10.49%9.63%9.81%10.10%5.86%6.86%15.68%13.31%+321 bps
Net Interest Margin3.97%3.95%3.68%3.81%3.90%3.93%5.22%4.65%+84 bps
Efficiency Ratio53.63%53.80%53.39%53.71%54.89%55.13%41.17%45.27%-844 bps
Non-Interest Burden1.80%1.81%1.67%1.74%1.85%1.87%1.81%1.73%-1 bps
Growth
Asset Growth (YoY)7.45%5.83%7.11%3.84%2.18%1.09%-1.67%-2.48%-632 bps
Loan Growth (YoY)4.01%2.68%0.54%0.03%-7.26%-10.62%-11.68%-13.31%-1,334 bps
Deposit Growth (YoY)7.04%5.44%6.95%3.19%1.94%0.38%-3.17%-4.16%-735 bps
Asset Quality
Nonperforming Loans / Loans3.16%3.95%4.64%5.05%4.48%4.44%3.66%3.07%-198 bps
Net Charge-Offs / Loans0.34%0.29%0.05%0.10%0.48%0.49%0.02%0.02%-8 bps
Allowance / Loans0.92%1.16%1.16%1.13%1.76%1.74%1.79%1.82%+69 bps
Allowance Coverage of NPLs0.3x0.3x0.3x0.2x0.4x0.4x0.5x0.6x+0.4x
Capital
Tier 1 Leverage Ratio16.92%16.64%16.87%16.85%16.60%17.01%17.84%17.92%+107 bps
Total Risk-Based Capital16.92%16.64%16.87%16.85%16.60%17.01%17.84%17.92%+107 bps
Equity / Assets16.38%16.09%16.14%16.42%16.55%16.75%17.45%17.85%+143 bps
Liquidity & Funding
Loans / Deposits95.34%92.32%87.53%88.85%86.75%82.20%79.83%80.37%-848 bps
Liquid Assets / Assets10.75%13.61%16.94%15.78%17.30%21.47%22.80%22.26%+649 bps
CRE / Total Capitaln/an/an/an/a31.19%28.01%24.59%n/an/a