Bank · FDIC insured
Central State Bank
A $175.1M bank headquartered in Clayton, IL, with 4 branches in Illinois. Best rates: CDs 3.91% and savings 0.25% APY.
Central State Bank Carrot Score
65
Carrot Score
Higher than 14% of U.S. banks and credit unions
#8 of 10 in Quincy, IL-MO metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Central State Bank
Central State Bank was originally organized and chartered in 1928 as Clayton State Bank in Clayton, Illinois, before renaming to Central State Bank in 1991.
After acquiring Barlett and Wallace State Bank in 1931, the bank was purchased by the Kinscherff family in 1978 and later merged with Kinderhook State Bank in 2013.
- Headquarters
- 100 W Main St, Clayton, IL 62324
- FDIC certificate
- 8487 ↗
Branches
4 branches in Illinois
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Illinois
4 branches
Quincy area · 2
- Central State BankMain office100 W Main St, Clayton, IL 62324Directions
- 12th Street Quincy Branch900 S 12th St, Quincy, IL 62301Directions
Kinderhook area · 1
- Kinderhook Branch175 W Quincy St, Kinderhook, IL 62345Directions
Pleasant Hill area · 1
- Pleasant Hill Branch701 W Quincy St, Pleasant Hill, IL 62366Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 17.92% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 3.07% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 2.94% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $80 | $81 | — |
- CapitalLeverage ratio17.92%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent3.07%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets2.94%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$80Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Central State Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.