# CLAY COUNTY STATE BANK
LOUISVILLE, IL · FDIC certificate 10821 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $104.3M | |
| Deposits | $91.7M | |
| Loans and leases | $47.3M | |
| Total equity | $12.0M | |
| Loans / deposits | 51.06% (p20 of band) | 73.59% |
| Liquid assets / assets | 54.04% (p82 of band) | |
| Uninsured deposits / deposits | 36.63% (p90 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.32% (p49 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.18% (p65 of band) | 11.76% |
| Unrealized securities loss / equity | -16.54% (p28 of band) | -6.57% |
| AOCI / equity | -3.10% (p5 of band) | |
| ROA (annualized) | 1.50% (p68 of band) | 1.17% |
| Net interest margin | 3.52% (p30 of band) | 3.93% |
| Efficiency ratio | 58.82% (p32 of band) | |
| Noncurrent loans | 3.82% (p95 of band) | 0.36% |
| Net charge-offs (annualized) | 0.02% (p69 of band) | |
| Reserve coverage of noncurrent | 25.33% | |
| Real estate % of loans | 65% | |
| Construction % of loans | 1.80% (p22 of band) | |
| Auto loans | $2.8M (5.85% of loans; DQ 6.62%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 2.8% | |
| Employees | 15 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 0 |  | reserve under noncurrent |
| 2012-06 | 1 | reserve under noncurrent |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | NIM <2.5% |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 1 |  | NIM <2.5% |
| 2013-12 | 2 | capital falling |  |
| 2014-03 | 1 |  | capital falling |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 2 | charge-offs p90 |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 1 |  | charge-offs p90 |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 2 | noncurrent p90 |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | charge-offs p90, assets shrinking | noncurrent p90 |
| 2017-06 | 4 | deposits shrinking, uninsured deposits leaving | charge-offs p90 |
| 2017-09 | 3 |  | uninsured deposits leaving |
| 2017-12 | 3 | capital falling, noncurrent p90 | assets shrinking, deposits shrinking |
| 2018-03 | 1 |  | capital falling, noncurrent p90 |
| 2018-06 | 2 | noncurrent p90 |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 | capital falling | noncurrent p90 |
| 2019-03 | 1 |  | capital falling |
| 2019-06 | 1 |  |  |
| 2019-09 | 2 | noncurrent p90 |  |
| 2019-12 | 2 | capital falling | noncurrent p90 |
| 2020-03 | 2 | noncurrent p90 | capital falling |
| 2020-06 | 2 |  |  |
| 2020-09 | 3 | capital falling |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 2 |  | capital falling |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 3 | capital falling |  |
| 2022-03 | 4 | NIM <2.5% |  |
| 2022-06 | 5 | AOCI drag >20% of equity, securities losses >30% of equity | capital falling |
| 2022-09 | 4 |  | NIM <2.5% |
| 2022-12 | 5 | charge-offs p90 |  |
| 2023-03 | 4 | assets shrinking | AOCI drag >20% of equity, charge-offs p90 |
| 2023-06 | 3 |  | assets shrinking |
| 2023-09 | 4 | deposits shrinking, uninsured deposits leaving | noncurrent p90 |
| 2023-12 | 2 |  | deposits shrinking, uninsured deposits leaving |
| 2024-03 | 3 | noncurrent p90 |  |
| 2024-06 | 6 | charge-offs p90, deposits shrinking, assets shrinking |  |
| 2024-09 | 3 |  | securities losses >30% of equity, noncurrent p90, charge-offs p90 |
| 2024-12 | 4 | capital falling, securities losses >30% of equity, noncurrent p90 | deposits shrinking, assets shrinking |
| 2025-03 | 2 |  | capital falling, securities losses >30% of equity |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 3 | deposits shrinking |  |
| 2026-03 | 2 |  | deposits shrinking |
| 2026-06 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2022-09-11 [Belleville’s Hofbräuhaus remains open as developer’s assets are sold to cover legal troubles - Belleville News-Democrat](https://news.google.com/rss/articles/CBMifkFVX3lxTE5sUXJadzlabjNZNGtlREtpSUdEY2xINUcxZVBpZDVvWUNaZF9IWkdjbGNFY0NobkV0amdVTkRxSk0wYmtSX3VqRjJBU1dXVDZ4X0lKdHF5cEc4anpFcVlOcGpKN0RVOFMtYWRKUHY0M2piTl8zVW1MNzNoTW1tUdIBfkFVX3lxTE9laGZodGJIZkZUS1AzQTF4V0I3WldRS1ZQVGh1SFVSTTNuZVlVYUhxTnlvWlVhV25UOVRTanZyOEU1azFDLXNidl9PWVh3d0dSblpBOVA5NFo5MC02LUZNY3RIelpPU19vWFJFa0NtbDB0MjMwZDJCb3hZa1RjZw?oc=5) · Belleville News-Democrat
- 2021-07-05 [Obituaries - Frank & Bright Funeral Home](https://news.google.com/rss/articles/CBMiakFVX3lxTFBkbUdPcUtSUlU1N2hrR1JOdEdVb1R0ZmpmZWpoTUFnTEU4NmVBSlFqZUNnSGdnLWxfQzdhMFVGZ1VwbkhmSkNCRWp0Smd1MVlZQXFqaUF3TUhMWl9FckNiLXhQU3pURk54aWc?oc=5) · Frank &amp; Bright Funeral Home
- 2025-09-10 [Marjory Ellen Field (105) of Effingham - thexradio.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxOYTFOQXByUlRhLU1QYm9sWXJSd2xFMUVjd1NGNjNRQ0JXTGFrUTVYelc0V1dxXy1QcnFyM1FrSl9UdGo5NXF3cFR1bkhVdXloOFFBQWlPVlBrRGV2amJIMzRGZE1nZzFqWW9xVmYxeUdtTnR5N1M4dzZzRlFZdWloaDJ4bVdRYUk?oc=5) · thexradio.com
- 2026-08-21 [Compton and baseball, a match made for each other: 'Baseball clears my head from outside stuff going on' - Effingham Daily News](https://news.google.com/rss/articles/CBMimgJBVV95cUxQdnZWVHltVmtXZ3RLa2EtbWlTT3A1MUZGRTE4QlVUM1EwaEw3bzNkSVVBNVdaeE5hMDA2ZVNUSUZQQVdtcmdQVnVoN011MGhFVXNzMnVmbTJ6Ym5fMFFZUDA2MkVQLW9pUXpjOXRqcFdCU3VpQU5yS2VZYTRnUERsanFCc0JwY2NxV3cxZm1RUmEyNzJoWXJJQkZmckRkdV9OWW5Yc29lNzM0QkF6QmFBRHlUTEFxT1cxNnpGTFFBOU5hTDVHbWRjTlJxTnI1YVNJMndHQ1RXUWl4S1FjRHpVTmtyU0lFUXdrUnJ1NmtyM20xXzZwc1hMUV9vX0daWmsweHVrWmJCVEJ1U2Vnd19pamEtYk9hQkFBNVE?oc=5) · Effingham Daily News
- 2021-07-05 [Obituary for Thelma Tadlock - Frank & Bright Funeral Home](https://news.google.com/rss/articles/CBMiYkFVX3lxTFAxM0RmLUcybU5sSVg1U0pRQlQxcjN2Nl9KaTNESWlzWm94SmRtY2RKbW1OOGRNZUEyOEpiZFJ1aFM1RTNycGFEc1ZuU2ljNkEwbzgzU3Q5ZFd5TlZXT29ES2V3?oc=5) · Frank &amp; Bright Funeral Home
- 2023-03-18 [John W. Zink Obituary (2023) - Kinmundy, IL - McGriff Funeral Homes - Louisville - Legacy obituary](https://news.google.com/rss/articles/CBMifEFVX3lxTE1lR2FoZ3lweUVjeEVIdEdjU0EyMXM5UDlBUnh5OFRBenBpeHBKMmhrcnFpaU9Wd0l6MWQ0UFNKcDIxSWM4dXR0YVhKeUhDZFVXV29oZnlETmdTTG1kOHFZYlprMlFFQTVzM1RUQm5hUVlxd2lTMDVBU3MxT18?oc=5) · Legacy obituary
- 2009-08-20 [Louisville man pleads guilty in seed scheme - Effingham Daily News](https://news.google.com/rss/articles/CBMixwFBVV95cUxNZXdTQkVTeW9WeTlyVWVkMzl0MTZKREJTME1FMWlBU0NWbDVHTnByOWJVeDgwRlFYLXhPYXRndEZiXzNJMEFScHJXbnVfcVFrNFpYbWU0T1hNVnV2dUNVRFVrVElrZzNqUjZmblNfTWU3UHd4SUQyOGJ2S1FPRUl1Nl9MMzd1NWVEZ0RER0VRdnFXTWdqV0xvdlNCcHVMaUpDcFhFakdMNEdqR21lUUprTW9ESTZKa0htWUNFZ0JpSlRGSXNDb3Nz?oc=5) · Effingham Daily News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10821 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/5.json (key "10821", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide