Central State Bank
Clayton, IL
IDRSSD: 152440
Total Assets
$177.24M
Latest filing
Total Deposits
$146.98M
Latest filing
Net Interest Margin
4.10%
Profitability
Key People
Loading leadership data...
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 01/30/2026Established 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
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
Similar banks
United Trust Bank
Palos Heights, Illinois
→
Assets: $176.07MΔ -0.0%
State Bank of Whittington
Benton, Illinois
→
Assets: $176.86MΔ +0.4%
FIRST NATIONAL BANK OF NOKOMIS
Nokomis, Illinois
→
Assets: $175.28MΔ -0.5%
Union Savings Bank
Freeport, Illinois
→
Assets: $178.61MΔ +1.4%
DeWitt Savings Bank
Clinton, Illinois
→
Assets: $172.52MΔ -2.0%
Iroquois Farmers State Bank
Iroquois, Illinois
→
Assets: $171.82MΔ -2.4%
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 | 01/30/2026 |
| CERT | 8487 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $177.24M |
| Total Deposits | $146.98M |
| Total Liabilities | $147.54M |
| Total Equity Capital | $29.69M |
| Net Income | $910.00k |
| Net Loans and Leases | $118.72M |
| Assets Per Employee ($Millions) | $6.11M |
| Bank Premises and Fixed Assets | $530.00k |
| Cash and Balances due from Depository Institutions | $40.44M |
| Deposits Held in Domestic Offices | $146.98M |
Key Performance Ratios
| Return on Assets (ROA) | 2.06% |
| Return on Equity (ROE) | 12.37% |
| Net Interest Margin | 4.1% |
| Efficiency Ratio | 55.85% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 16.753% |
| Earning Assets to total Assets | 97.06% |
Income and Expense
| Total Interest Income | $2.63M |
| Total Noninterest Income | $311.00k |
| Total Interest Expense | $881.00k |
| Total Noninterest Expense | $1.15M |
| Net Interest Income | $1.75M |
| Pre-tax Net Operating Income | $910.00k |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $325.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $562.00k |
| Total Liabilities and Capital | $177.24M |
Securities
| Securities | $15.24M |
| Available-for-sale debt securities | $15.24M |
| Equity securities with readily determinable fair values not held for trading | — |
| 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?
$177.24M as of the latest filing.
How much are Central State Bank's total deposits?
$146.98M in total deposits.
Where is Central State Bank located?
Clayton, IL.
What is the Net Interest Margin?
4.10%.
How many domestic offices does it operate?
4.
When was it established?
05/01/1928.
What is the Return on Assets (ROA)?
2.06%.
How much are total loans and leases?
$118.72M (latest filing).
What is the total interest income (latest filing)?
$2.63M.