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 Central State Bank
Central State Bank
| RSSD ID 152440 | CERTIFICATE 8487 | ABA NUMBER 81221235 |
| 100 W Main St |
Quarter Ended : |
2025-12-31 |
| Clayton, Illinois, 62324 |
Updated : |
2026-01-30 |
| WWW.CSB123.COM |
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| Institution Profile |
| Year Opened : |
1928 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FDIC |
| Member Federal Reserve : |
No |
S-Corp : |
Yes |
| Fiduciary Powers : |
No |
Powers Exercised : |
No |
| Filing Type : |
051 |
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| Specialization : |
Agricultural Specialization |
| Number of Offices : |
4 |
Number of Employees : |
29 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 177,236 |
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Total Interest Income | 10,637 |
| Total Liabilities | 147,543 |
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Total NonInterest Income | 1,179 |
| Total Bank Equity Capital | 29,693 |
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Total Interest Expense | 3,654 |
| Total Deposits | 146,981 |
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Total NonInterest Expense | 4,500 |
| Net Loans & Leases | 118,718 |
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Net Income | 2,533 |
| Loan Loss Allowance | 2,099 |
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Net Charge Offs | 589 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Community Bank Leverage Ratio | Yes |
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Total loans | 123,516 |
| Total assets for the leverage ratio | 177,525 |
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Loans secured by real estate: | 83,789 |
| Tier 1 Leverage Ratio | 17.01 |
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Commercial and industrial loans | 15,025 |
| Off Balance Sheet Exposures (%) | 3.91 |
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Loans to individuals - Credit Cards | 0 |
| Trading Assets and Liabilities (%) | 0 |
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Loans to individuals - Other | 13,252 |
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:· Central State Bank
