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 Central State Bank Clayton, IL Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 17, 2026
Central State Bank Clayton, IL's 15 Year Fixed Rate rates are at 5.75%. MonitorBankRates evaluates the financial stability of Central State Bank Clayton, IL with a 5.0 Star Rating, an B+ Overall Health Grade, and a Texas Ratio of 23.94%. Rates were last updated on 04/17/2026. Central State Bank Clayton, IL money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Central State Bank Clayton, IL? Share your experience about Central State Bank Clayton, IL by leaving a review below, or read customer reviews before you decide to use Central State Bank Clayton, IL. 
Central State Bank Clayton, IL Checking Rates
Central State Bank Clayton, IL Mortgage Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Central State Bank Clayton, IL is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather Central State Bank Clayton, IL rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Central State Bank Clayton, IL's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
Central State Bank Clayton, IL
Bank Holding Company
CLAYTON BANCSHARES INC
Address
100 W Main St,
Clayton, IL 62324 · Adams
Website
https://www.csb123.com/
FDIC Certificate #
8487
Established
05/01/1928
FDIC Insurance Date
01/01/1934
Domestic Offices
4
Total Branches
4
Regulator
FDIC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsB+
Overall Health Grade
Score: 88/100
5.0
Exceptional
Out of 5.0 Stars
23.94%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
2.1404%
Return on Equity (ROE)
13.6700%
Non-Performing Loans (NPL)
3.09%
Total Assets
$177,236,000
Total Deposits
$146,981,000
Equity Capital
$29,693,000
Net Income
$2,533,000
Headquarters
Clayton
Total Offices
4
Source: FDIC | Last Updated 12/31/2025
Frequently Asked Questions About Central State Bank Clayton, ILIs Central State Bank Clayton, IL a safe place to deposit money?Yes, Central State Bank Clayton, IL is considered a safe financial institution. With a Texas Ratio of 23.942790877464%, the institution's financial health is rated as stable. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category. How many branches does Central State Bank Clayton, IL operate?Central State Bank Clayton, IL currently maintains approximately 4 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is there a first-time homebuyer program?Currently, Central State Bank Clayton, IL does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Central State Bank Clayton, IL provides members with tools to manage their accounts and build a solid financial history. Does Central State Bank Clayton, IL offer online and mobile banking?Most modern institutions like Central State Bank Clayton, IL provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.csb123.com/. Compare to Other Banks
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