Central State Bank Clayton, IL Rates and Review March 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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Central State Bank Clayton, IL's 15 Year Fixed Rate Mortgage rates are at 5.38%, 30 Year Fixed Rate Mortgage rates are at 6.25%. MonitorBankRates evaluates the financial stability of Central State Bank Clayton, IL with a 4.3 Star Rating, an B- Overall Health Grade, and a Texas Ratio of 23.94%. Rates were last updated on 02/26/2026.
Rate Updates and AvailabilityCentral 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 Texas RatioCentral State Bank Clayton, IL's Texas Ratio is at 23.94%, which is considered good. The Texas Ratio for Central State Bank Clayton, IL is higher than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing. MonitorBankRates Rating
4.3
Excellent
Out of 5.0 Stars
Central State Bank Clayton, IL has earned a Smart Rating of 4.3 out of 5 stars. 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. Overall, Central State Bank Clayton, IL is a excellent bank worth considering, with an overall rating of 4.3 stars out of 5 stars. Overall Health & Safety Grade
B-
Adequate Health
Score: 81/100
Central State Bank Clayton, IL has earned an overall safety grade of B-. This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability. Current Interest RatesRate
APY/APR
vs. Avg
"N/A" indicates the product is not offered or the rate is unavailable. Rates Last Updated: 02/26/2026 
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 & OverviewCentral State Bank Clayton, IL
100 W Main StClayton, IL 62324 Adams Established Date: 05/01/1928 FDIC Certificate #: 8487 Date of FDIC Deposit Insurance: 01/01/1934 Bank Holding Company: CLAYTON BANCSHARES INC How Many Domestic U.S. Offices? 4 How Many Branches are There? 4 Website: https://www.csb123.com/
Is Central State Bank Clayton, IL FDIC Insured? Yes
What is Central State Bank Clayton, IL's Cert number? 8487
What is the maximum amount for insured deposits? $250,000 per holder, per account
Financial Health & AssetsMonitorBankRates Star Rating:
4.3 / 5.0 ★
Overall Health & Safety Grade:
B- (81/100)
Texas Ratio:
23.94%
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
Regulator:
FDIC
# of Offices:
4
Source: FDIC | Last Updated 12/31/2025
Frequently Asked Questions About Central State Bank Clayton, ILHow do I open an account at Central State Bank Clayton, IL?You can typically open an account at Central State Bank Clayton, IL by visiting a local branch or applying through their official website. Is there a first-time homebuyer program?Currently, Central State Bank Clayton, IL provides a range of mortgage and home equity products. Is Central State Bank Clayton, IL a safe place to deposit money?Yes, Central State Bank Clayton, IL is considered a safe financial institution. Your accounts are federally insured by the FDIC up to $250,000 per depositor. Does Central State Bank Clayton, IL offer online and mobile banking?Most modern institutions like Central State Bank Clayton, IL provide digital access including online balance checks and transfers. Compare to Other Banks
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