Central State Bank is a bank based in Clayton, Illinois, established in 1928, with $178 million in total assets across 4 branches. By Trust Grade it ranks 117th of 328 banks we track in Illinois. Its capital ratio of 17.5% is stronger than 95% of similarly sized banks, versus a Illinois median of 10.3%. It was profitable over the most recent period, with a 3.41% return on assets. No consumer complaints against Central State Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Central State Bank compares to Illinois peers
How we graded Central State Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (17.5% capital ratio)
- Strongly profitable (ROA 3.41%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Central State Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (4)
- 701 W Quincy St, Pleasant Hill, IL 62366
- 900 S 12th St, Quincy, IL 62301
- 175 W Quincy St, Kinderhook, IL 62345
- 100 W Main St, Clayton, IL 62324
Are deposits at Central State Bank insured?
Yes. Central State Bank is an FDIC-insured bank (FDIC certificate #8487). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Central State Bank: frequently asked questions
Is Central State Bank a good bank?
Central State Bank earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (17.5% capital ratio); Strongly profitable (ROA 3.41%).
Is Central State Bank FDIC-insured?
Yes. Central State Bank is a FDIC-insured bank (FDIC certificate #8487). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Central State Bank?
Central State Bank holds $178 million in total assets, ranking 117th of 328 banks we track in Illinois. It operates 4 branches.
Does Central State Bank have CFPB complaints?
No CFPB complaints against Central State Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
