Bank · FDIC insured
Clay County State Bank
A $104.3M bank headquartered in Louisville, IL, with 1 branch in Illinois. Best rates: CDs 3.70% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. Savings: carrot has not captured enough rates to score this yet. Auto loans: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all). Credit cards: no rates found on its website.
- CDs803.70%for 16–30 monthsCD rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Clay County State Bank
Based in Louisville, Illinois, Clay County State Bank was organized on September 13, 1905, to serve the community and surrounding area by providing banking services.
The bank operates as a privately owned corporation with shareholders from the surrounding area.
- Headquarters
- 111 N Church St, Louisville, IL 62858
- FDIC certificate
- 10821 ↗
Branches
1 branch in Illinois
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Illinois
1 branch
- Clay County State BankMain office111 N Church St, Louisville, IL 62858Directions
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 | 13.18% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 3.82% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.50% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $52 | $81 | — |
- CapitalLeverage ratio13.18%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent3.82%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.50%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$52Peers’ 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 Clay County State Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.