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Central State Bank
Clayton, IL · FDIC Certificate #8487 · Chartered 05/0
Total assets
$175.06M
Total deposits
$143.23M
Total equity
$31.25M
Net loans
$113.03M
Branches (offices)
4
Net income (YTD)
$2.60M
Rank: #3,146 of 4,213 U.S. banks by assets · #217 of 322 in Illinois. Assets changed -2.5% and deposits -4.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.94% |
| Return on equity | 16.96% |
| Net interest margin (YTD) | 4.83% |
| Equity to assets | 17.85% |
| Tier 1 leverage ratio | 17.92% |
| Uninsured deposits (share of deposits) | 3.0% |
| Noncurrent loans (share of loans) | 3.07% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 78.9% |
| Real estate loans (share of loans) | 71.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $80.57M | 71.3% | |
| Commercial & industrial | $15.14M | 13.4% | |
| Consumer / individual | $13.00M | 11.5% | |
| Construction & development | $609.00K | 0.5% | |
| Agricultural | $6.40M | 5.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $166.40M | $143.06M | $1.48M | $23.02M |
| Jun 2023 | $160.63M | $134.39M | $1.92M | $25.72M |
| Jun 2024 | $172.88M | $144.82M | $1.82M | $27.43M |
| Jun 2025 | $179.51M | $149.45M | $1.86M | $29.47M |
| Jun 2026 | $175.06M | $143.23M | $2.60M | $31.25M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $143.23M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $143.23M.
Similar-sized banks
Farmers & Merchants Bank & Trust ($175.07M) · Cedar Rapids State Bank ($174.94M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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