Central State Bank
Clayton, IL
IDRSSD: 152440
Total Assets
$176.08M
Latest filing
Total Deposits
$146.21M
Latest filing
Net Interest Margin
4.21%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Central State Bank
100 W Main St
Clayton, IL 62324
Full Service - Brick and Mortar
Updated 11/14/2025Established 05/01/1928FDIC Certificate 5401
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Central State Bank (Main) | 100 W Main St | Clayton, IL |
| PLEASANT HILL BRANCH | 701 W Quincy St | Pleasant Hill, IL |
| 12TH STREET QUINCY BRANCH | 900 S 12th St | Quincy, IL |
| KINDERHOOK BRANCH | 175 W Quincy St | Kinderhook, IL |
Showing 3 of 3
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 05/01/1928 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 62324 |
| State and County Number | 17001 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 08 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Quincy, IL-MO |
Operational Info
| Number of Employees | 29 |
| Domestic Offices | 4 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | WWW.CSB123.COM |
| Data Updated | 11/14/2025 |
| CERT | 8487 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $176.08M |
| Total Deposits | $146.21M |
| Total Liabilities | $146.94M |
| Total Equity Capital | $29.14M |
| Net Income | $-238,000 |
| Net Loans and Leases | $124.60M |
| Assets Per Employee ($Millions) | $6.07M |
| Bank Premises and Fixed Assets | $537.00k |
| Cash and Balances due from Depository Institutions | $33.55M |
| Deposits Held in Domestic Offices | $146.21M |
Key Performance Ratios
| Return on Assets (ROA) | -0.54% |
| Return on Equity (ROE) | -3.25% |
| Net Interest Margin | 4.21% |
| Efficiency Ratio | 57.18% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 2.54% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 16.549% |
| Earning Assets to total Assets | 96.4% |
Income and Expense
| Total Interest Income | $2.72M |
| Total Noninterest Income | $275.00k |
| Total Interest Expense | $914.00k |
| Total Noninterest Expense | $1.19M |
| Net Interest Income | $1.81M |
| Pre-tax Net Operating Income | $-238,000 |
| Provision for Credit Losses | $1.13M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $427.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $730.00k |
| Total Liabilities and Capital | $176.08M |
Securities
| Securities | $14.68M |
| Available-for-sale debt securities | $14.68M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Central State Bank?
$176.08M as of the latest filing.
How much are Central State Bank's total deposits?
$146.21M in total deposits.
Where is Central State Bank located?
Clayton, IL.
What is the Net Interest Margin?
4.21%.
How many domestic offices does it operate?
4.
When was it established?
05/01/1928.
What is the Return on Assets (ROA)?
-0.54%.
How much are total loans and leases?
$124.60M (latest filing).
What is the total interest income (latest filing)?
$2.72M.