BlastPoint's Banking Scorecard

Clay County State Bank

$100M-$1B Specialty: Agricultural IL FDIC cert 10821

Louisville, IL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 211 in IL.
Deposits +2.8% year over year ($91.7M on the books).
Delinquency rate 3.85%.
Return on assets 1.50%.
Efficiency ratio 58.82% vs a 64.48% peer average.
Loan-to-deposit ratio 51.06% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 211 in IL

View $100M-$1B leaderboard (IL) →

Clay County State Bank has 2 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ ROA 0.18% above tier average
+ Efficiency Ratio 5.66% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 2.0% in tier
- Nonperforming Asset Ratio 1.10% above tier average
- Net Interest Margin 0.47% below tier average

Get updates when Clay County State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$104.3M +3.7% YoY -2.2% QoQ	-$282.3M	$386.6M +1.2% YoY	$2.4B +4.3% YoY	$6.3B +7.7% YoY	Bottom 1.1% in tier
Total Loans ?	$46.8M +1.3% YoY +1.4% QoQ	-$211.5M	$258.3M +1.7% YoY	$1.3B +4.4% YoY	$3.2B +9.4% YoY	Bottom 2.4% in tier
Total Deposits ?	$91.7M +2.8% YoY -2.6% QoQ	-$235.0M	$326.7M +0.7% YoY	$1.9B +3.7% YoY	$4.9B +7.3% YoY	Bottom 3.1% in tier
Return on Assets ?	1.50% +13.8% YoY +11.8% QoQ	+0.18%	1.32% +10.8% YoY	1.12% +2.8% YoY	1.30% +12.1% YoY	65%
Net Interest Margin ?	3.52% +5.5% YoY +2.5% QoQ	-0.47%	3.99% +5.0% YoY	3.68% +7.2% YoY	3.95% +4.9% YoY	28%
Efficiency Ratio ?	58.82% -2.9% YoY -5.1% QoQ	-5.66%	64.48% -3.2% YoY	63.11% -4.5% YoY	70.05% +2.5% YoY	61%
Delinquency Rate ?	3.85% +3.4% YoY -13.3% QoQ	+2.93%	0.92% +15.7% YoY	1.19% +6.2% YoY	0.98% +16.3% YoY	Bottom 3.8% in tier
Loan-to-Deposit Ratio ?	51.06% -1.5% YoY +4.1% QoQ	-26.90%	77.95% +1.0% YoY	72.86% +0.7% YoY	79.03% +2.3% YoY	Top 8.9% in tier
Non-Interest-Bearing Deposit Share ?	15.04% -0.5% YoY -9.1% QoQ	-6.99%	22.03% -0.6% YoY	20.01% -0.1% YoY	21.98% -0.6% YoY	25%
Nonperforming Asset Ratio ?	1.77% +3.3% YoY -9.9% QoQ	+1.10%	0.67% +16.4% YoY	0.81% +6.3% YoY	0.69% +15.8% YoY	Bottom 9.3% in tier
Tier 1 Capital Ratio ?	13.18% +2.5% YoY +5.2% QoQ	-2.73%	15.91% +1.4% YoY	17.17% +1.3% YoY	17.09% +0.8% YoY	50%
Non-Interest Income / Assets ?	0.10% +9.6% YoY +132.4% QoQ	-0.47%	0.57% +7.6% YoY	0.68% +1.1% YoY	0.66% +5.2% YoY	17%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Noninterest-Bearing	15.0% -0.1pp YoY -1.5pp QoQ	-7.1pp	22.1%	20.1%	22.2%	24%
Brokered Deposits	n/a	n/a	7.9%	8.0%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
C&I	10.2% -2.8pp YoY -0.4pp QoQ	-1.4pp	11.6%	14.7%	12.5%	53%
CRE	n/a	n/a	39.5%	37.9%	41.4%	n/a
1-4 Family	27.8% -1.0pp YoY -0.5pp QoQ	-4.8pp	32.6%	28.3%	31.3%	46%
Consumer	12.3% -1.6pp YoY -0.4pp QoQ	+8.2pp	4.1%	5.4%	5.0%	94%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	19.9%	19.7%	n/a
Leverage Ratio	13.2% +0.3pp YoY +0.7pp QoQ	+1.0pp	12.2%	12.2%	12.6%	76%
Total Capital Ratio	n/a	n/a	19.9%	20.9%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Full-Time Employees	15 -2 (-11.8%) YoY -1 (-6.2%) QoQ	-44	58	228	482	4%
Assets per Employee ($)	$7.0M +17.5% YoY +4.3% QoQ	-$565K	$7.5M	$8.3M	$8.8M	51%
Branch Count	1 0 YoY 0 QoQ	-4	4	10	18	0%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Past Due 90+ Days	2.4% -0.4pp YoY -0.5pp QoQ	+2.1pp	0.3%	0.4%	0.4%	98%
Nonaccrual	1.4% +0.6pp YoY -0.1pp QoQ	+0.5pp	0.9%	1.1%	1.0%	80%
Allowance Coverage	0.25x -3.6% YoY +14.2% QoQ	-23.90x	24.15x	5.62x	20.23x	2%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY -0.1pp QoQ	-0.1pp	0.1%	0.1%	0.2%	61%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
ROE	13.3% -0.2pp YoY +1.3pp QoQ	+1.2pp	12.2%	10.5%	11.6%	58%
Cost of Funds (YTD)	1.2% -0.2pp YoY 0.0pp QoQ	-0.5pp	1.7%	1.6%	1.7%	18%
Net Income ($, YTD)	$791,000 +14.6% YoY — QoQ	-$1.8M	$2.6M	$11.7M	$40.4M	19%

Get Full Access to Clay County State Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Credit Risk Growth

risk

#20 of 936 • Bottom 2.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally

→ Stable -58 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

237

Loan-to-Deposit Ratio

liquidity

Value: 51.06%

Peer Median: 77.95%

#237 of 2643 Top 8.9% in $100M-$1B

Top Weaknesses (7 metrics)

2615

Total Assets

size

Value: $104.30M

Peer Median: $386.57M

#2615 of 2643 Bottom 1.1% in $100M-$1B

2581

Total Loans

size

Value: $46.82M

Peer Median: $258.35M

#2581 of 2643 Bottom 2.4% in $100M-$1B

2563

Total Deposits

size

Value: $91.70M

Peer Median: $326.73M

#2563 of 2643 Bottom 3.1% in $100M-$1B

2533

Delinquency Rate

credit_quality

Value: 3.85%

Peer Median: 0.92%

#2533 of 2633 Bottom 3.8% in $100M-$1B

2398

Nonperforming Asset Ratio

credit_quality

Value: 1.77%

Peer Median: 0.67%

#2398 of 2643 Bottom 9.3% in $100M-$1B

2194

Non-Interest Income / Assets

revenue_mix

Value: 0.10%

Peer Median: 0.57%

#2194 of 2643 Bottom 17.0% in $100M-$1B

1996

Non-Interest-Bearing Deposit Share

funding

Value: 15.04%

Peer Median: 22.03%

#1996 of 2643 Bottom 24.5% in $100M-$1B