This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Bank
Louisville, IL
Health score
71.1
Total assets
$104.3M
Bank
Lacon, IL
Health score
79.0
Total assets
$103.7M
Answer first
Clay County State Bank leads on capitalization and profitability and growth; The First National Bank of Lacon leads on financial health and lending quality. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
The First National Bank of Lacon
Higher TFS health score
Capitalization
Clay County State Bank
Higher comparable capital ratio
Profitability
Clay County State Bank
Higher return on assets
Lending quality
The First National Bank of Lacon
Lower problem-loan measure
Growth
Clay County State Bank
Higher year-over-year asset growth
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | Clay County State Bank | The First National Bank of Lacon |
|---|---|---|
| TFS health score | 71.1/100 | 79.0/100Leads |
| Total assets | $104.3M | $103.7M |
| Total deposits / shares | $91.7M | $92.7M |
| Tier 1 capital ratio | 13.18%Leads | 11.78% |
| Return on assets | 1.50%Leads | 1.18% |
| Return on equity | 13.35%Leads |
Clay County State Bank
1 branches
The First National Bank of Lacon
1 branches
Both institutions report branches in 1 state: IL.
Clay County State Bank
Unavailable
The First National Bank of Lacon
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
Clay County State Bank
0 in TFS registry
The First National Bank of Lacon
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | Clay County State Bank score | Clay County State Bank ROA | The First National Bank of Lacon score | The First National Bank of Lacon ROA |
|---|---|---|---|---|
| 2024-Q3 | — | 1.15% | — | 1.08% |
| 2024-Q4 | — | 1.18% | — | 1.10% |
| 2025-Q1 | — | 1.21% | — | 0.85% |
| 2025-Q2 | — | 1.32% | — | 1.03% |
| 2025-Q3 | — | 1.23% | — | 0.95% |
| 2025-Q4 | — | 1.30% | — | 1.00% |
| 2026-Q1 | 61.7/100 |
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Coverage boundaries
Related comparisons
Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Arbitrary comparison pairs are available dynamically but remain noindex unless curated for data completeness and user value.
| 13.08% |
| Non-performing loans | 3.82% | 0.14%Leads |
| Net charge-offs | 0.03%Leads | 0.06% |
| Efficiency ratio | 58.82%Leads | 69.21% |
| Loan-to-deposit ratio | 51.06% | 71.13% |
| Asset growth (YoY) | 3.69%Leads | -2.87% |
| Deposit / share growth (YoY) | 2.82%Leads | -6.55% |
| Branches | 1 | 1 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
| 1.34% |
| 74.2/100 |
| 0.86% |
| 2026-Q2 | 71.1/100 | 1.50% | 79.0/100 | 1.18% |