Clay County State Bank
Louisville, Illinois · FDIC Cert #10821
This is the FDIC profile for Clay County State Bank, an FDIC-insured bank (Certificate #10821) with $103M in total assets and $93M in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in Louisville, Illinois, the bank maintains a Tier 1 capital ratio of 12.73% (Well-Capitalized) and a nonperforming loan ratio of 2.15%. BankHealthData assigns a composite Health Grade of B (77/100) based on quarterly FDIC filings. All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Clay County State Bank (FDIC cert 10821) is a community bank — $103M in total assets, $93M in deposits, serving the Louisville, Illinois area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 12.73% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is elevated: non-performing loan ratio of 2.15% runs above 2%, suggesting the loan book carries more credit risk than peer banks. Elevated NPL can reflect specific portfolio concentrations or broader credit-cycle pressure. Liquidity is very high: 53.5% of assets in liquid form, well above peer norms. Very high liquidity sometimes reflects a bank still building out its loan portfolio or one operating under specific regulatory liquidity requirements.
Profitability is solid: ROA of 1.08% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is mildly positive across the recent-quarters window. The directional signal is favorable but not dramatic. Clay County State Bank carries a composite BankHealth grade of B (77/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Clay County State Bank
- Total Assets
- $103M
- Total Deposits
- $93M
- Tier 1 Capital Ratio
- 12.73%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 2.15%
- Liquidity Ratio
- 53.50%
- Return on Assets
- 1.08%
- Headquarters
- Louisville, Illinois
- FDIC Certificate
- #10821
- Health Grade
- B (77/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
Clay County State Bank files quarterly Call Reports with the FDIC under Certificate #10821. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
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Capital & Safety Analysis
According to FDIC financial data, Clay County State Bank holds a Tier 1 capital ratio of 12.73%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Clay County State Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Clay County State Bank shows strong financial health indicators. With $103M in assets and a Health Score of 77/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Clay County State Bank Compares
Clay County State Bank’s Health Score of 77 is 4 points below the Illinois state average of 81 across 333 FDIC-insured banks. Its 12.73% Tier 1 capital ratio is 1.3 points below the US banking industry average near 14%. The 2.15% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 1.08% is below the national ROA benchmark of ~1.1%. Among 1112 similarly-sized banks, the average Health Score is 82, meaning this bank ranks below its size cohort. Site-wide, Clay County State Bank is 3 points below the portfolio average of 80.
Frequently Asked Questions
Clay County State Bank has a Bank Health Score of B (77/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 12.73%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Clay County State Bank's Tier 1 capital ratio of 12.73% and nonperforming loan ratio of 2.15% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Clay County State Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #10821). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Clay County State Bank holds $103M in total assets and $93M in total deposits. It is headquartered in Louisville, Illinois (FDIC Certificate #10821).
Clay County State Bank's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #10821 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
Clay County State Bank has a Tier 1 capital ratio of 12.73%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 2.15%, and the return on assets is 1.08%.
Yes. Clay County State Bank is FDIC-insured (Certificate #10821). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Clay County State Bank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.