Clay County State Bank: how it compares with its peers
Against 111 IL banks with half to twice its assets, Clay County State Bank's strongest measure in Q2 2026 is return on assets (1.50% vs. a 1.05% peer median). Its weakest relative measure is net interest margin (3.52% vs. 3.74%).
| Measure | Clay County State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.50% | 1.05% | Top third Ahead of 80% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.52% | 3.74% | Middle third Ahead of 40% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 58.82% | 67.22% | Top third Ahead of 71% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.0M | $6.1M | Middle third Ahead of 63% of peers |
| Loans to deposits Net loans and leases over total deposits. | 51.06% | 67.76% | Context |
What it means for lending operations
Its efficiency ratio of 58.82% is better than the 67.22% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- The First National Bank of Lacon Lacon, IL · $104M
- The Gerber State Bank Argenta, IL · $101M
- Nashville Savings Bank Nashville, IL · $108M
- Anderson State Bank Oneida, IL · $109M
- Bank of Calhoun County Hardin, IL · $100M
- Midland Federal Savings and Loan Association Bridgeview, IL · $111M
Questions about Clay County State Bank
How big is Clay County State Bank?
Clay County State Bank, established in 1905, is headquartered in Louisville, IL. It reported $104M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Clay County State Bank's return on assets?
1.50% annualized in Q2 2026, against a 1.05% median for 111 IL banks with half to twice its assets, ahead of 80% of them.
What is Clay County State Bank's efficiency ratio?
58.82% in Q2 2026: it spent about 59 cents in noninterest expense for each dollar of revenue. The peer median is 67.22%, and lower is better.
Is Clay County State Bank growing its loans?
Net loans grew 1.3% over the year to Q2 2026, while deposits grew 2.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Illinois bank ranked.