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Central State Bank

$100M-$1B Specialty: Agricultural IL FDIC cert 8487

Clayton, IL

4 branches across 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 -4.2% year over year ($143.2M on the books).
  • Delinquency rate 3.13%.
  • Return on assets 2.94%.
  • Efficiency ratio 45.27% vs a 64.48% peer average.
  • Loan-to-deposit ratio 78.91% 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) →

Central State Bank has 4 strengths but faces 2 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

  • + Profitability Leader: Top 4.1% in tier
  • + Revenue Diversifier: Top 31.8% in tier
  • + Efficiency Ratio 19.21% below tier average
  • + Net Interest Margin 0.84% above tier average

Key Concerns

Areas that may need attention

  • - Delinquency Rate 2.21% above tier average
  • - Nonperforming Asset Ratio 1.48% above tier average
Get updates when Central 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 ? $175.1M
-2.5% YoY -1.7% QoQ
-$211.5M $386.6M
+1.2% YoY
$2.4B
+4.3% YoY
$6.3B
+7.7% YoY
20%
Total Loans ? $113.0M
-13.9% YoY -1.6% QoQ
-$145.3M $258.3M
+1.7% YoY
$1.3B
+4.4% YoY
$3.2B
+9.4% YoY
23%
Total Deposits ? $143.2M
-4.2% YoY -2.2% QoQ
-$183.5M $326.7M
+0.7% YoY
$1.9B
+3.7% YoY
$4.9B
+7.3% YoY
19%
Return on Assets ? 2.94%
+41.2% YoY -13.8% QoQ
+1.62% 1.32%
+10.8% YoY
1.12%
+2.8% YoY
1.30%
+12.1% YoY
Top 2.2% in tier
Net Interest Margin ? 4.83%
+21.4% YoY -10.0% QoQ
+0.84% 3.99%
+5.0% YoY
3.68%
+7.2% YoY
3.95%
+4.9% YoY
Top 11.3% in tier
Efficiency Ratio ? 45.27%
-15.7% YoY +9.9% QoQ
-19.21% 64.48%
-3.2% YoY
63.11%
-4.5% YoY
70.05%
+2.5% YoY
Top 9.4% in tier
Delinquency Rate ? 3.13%
-38.8% YoY -16.2% QoQ
+2.21% 0.92%
+15.7% YoY
1.19%
+6.2% YoY
0.98%
+16.3% YoY
Bottom 5.8% in tier
Loan-to-Deposit Ratio ? 78.91%
-10.2% YoY +0.6% QoQ
+0.96% 77.95%
+1.0% YoY
72.86%
+0.7% YoY
79.03%
+2.3% YoY
52%
Non-Interest-Bearing Deposit Share ? 16.49%
+14.4% YoY +4.1% QoQ
-5.54% 22.03%
-0.6% YoY
20.01%
-0.1% YoY
21.98%
-0.6% YoY
30%
Nonperforming Asset Ratio ? 2.15%
-45.9% YoY -15.8% QoQ
+1.48% 0.67%
+16.4% YoY
0.81%
+6.3% YoY
0.69%
+15.8% YoY
Bottom 6.2% in tier
Tier 1 Capital Ratio ? 17.92%
+6.4% YoY +0.5% QoQ
+2.01% 15.91%
+1.4% YoY
17.17%
+1.3% YoY
17.09%
+0.8% YoY
81%
Non-Interest Income / Assets ? 0.35%
+4.6% YoY +136.7% QoQ
-0.22% 0.57%
+7.6% YoY
0.68%
+1.1% YoY
0.66%
+5.2% YoY
79%

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 16.5%
+2.1pp YoY
+0.6pp QoQ
 -5.7pp 22.1% 20.1% 22.2% 30%
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 13.4%
+1.3pp YoY
+0.8pp QoQ
 +1.8pp 11.6% 14.7% 12.5% 70%
CRE 6.9%
-0.1pp YoY
+0.1pp QoQ
 -32.7pp 39.5% 37.9% 41.4% 2%
1-4 Family 38.4%
+5.8pp YoY
-0.3pp QoQ
 +5.7pp 32.6% 28.3% 31.3% 67%
Consumer 11.5%
-0.1pp YoY
+0.1pp QoQ
 +7.4pp 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 17.9%
+1.1pp YoY
+0.1pp QoQ
 +5.8pp 12.2% 12.2% 12.6% 94%
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 34
+5 (+17.2%) YoY
+3 (+9.7%) QoQ
 -25 58 228 482 33%
Assets per Employee ($) $5.1M
-16.8% YoY
-10.4% QoQ
 -$2.4M $7.5M $8.3M $8.8M 17%
Branch Count 4
0 YoY
0 QoQ
 -1 4 10 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual 3.1%
-2.0pp YoY
-0.6pp QoQ
 +2.2pp 0.9% 1.1% 1.0% 94%
Allowance Coverage 0.59x
+165.7% YoY
+21.0% QoQ
 -23.56x 24.15x 5.62x 20.23x 13%
Net Charge-off Rate (YTD) 0.0%
-0.1pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 53%

Profitability

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
ROE 17.0%
+4.1pp YoY
-3.0pp QoQ
 +4.8pp 12.2% 10.5% 11.6% 77%
Cost of Funds (YTD) 1.9%
-0.3pp YoY
0.0pp QoQ
 +0.1pp 1.7% 1.6% 1.7% 62%
Net Income ($, YTD) $2.6M
+39.8% YoY
— QoQ
 +$46K $2.6M $11.7M $40.4M 64%

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 (2)

Profitability Leader

growth
#28 of 661 • Top 4.1% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 2.94%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Revenue Diversifier

growth
#211 of 661 • Top 31.8% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.35%
(Tier: 0.57%, National: 0.66%)
but worse than tier avg
Return on Assets: 2.94%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable

Concerns (0)

No matched concern signatures this quarter

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

Top Strengths (5 metrics)

58
Return on Assets
profitability
Value: 2.94%
Peer Median: 1.32%
#58 of 2643 Top 2.2% in $100M-$1B
249
Efficiency Ratio
profitability
Value: 45.27%
Peer Median: 64.48%
#249 of 2643 Top 9.4% in $100M-$1B
300
Net Interest Margin
profitability
Value: 4.83%
Peer Median: 3.99%
#300 of 2643 Top 11.3% in $100M-$1B
514
Tier 1 Capital Ratio
capital
Value: 17.92%
Peer Median: 15.91%
#514 of 2643 Top 19.4% in $100M-$1B
559
Non-Interest Income / Assets
revenue_mix
Value: 0.35%
Peer Median: 0.57%
#559 of 2643 Top 21.1% in $100M-$1B

Top Weaknesses (5 metrics)

2481
Delinquency Rate
credit_quality
Value: 3.13%
Peer Median: 0.92%
#2481 of 2633 Bottom 5.8% in $100M-$1B
2479
Nonperforming Asset Ratio
credit_quality
Value: 2.15%
Peer Median: 0.67%
#2479 of 2643 Bottom 6.2% in $100M-$1B
2135
Total Deposits
size
Value: $143.23M
Peer Median: $326.73M
#2135 of 2643 Bottom 19.3% in $100M-$1B
2111
Total Assets
size
Value: $175.06M
Peer Median: $386.57M
#2111 of 2643 Bottom 20.2% in $100M-$1B
2035
Total Loans
size
Value: $113.03M
Peer Median: $258.35M
#2035 of 2643 Bottom 23.0% in $100M-$1B
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