Clayton Bancshares manages Central State Bank, which is a financial institution that offers money market, individual retirement, checking and savings accounts. Central State Bank has a loan center that provides real estate, personal and agricultural loans, as well as fixed-rate mortgages. The bank also offers online personal debt, loan comparison, and savings and retirement calculators. Its Internet banking service includes information about accounts and point-of-sale transactions. In addition, the bank provides certificates of deposit, lock boxes, debit cards, money orders and traveler s checks. It offers automatic loan payment and direct deposit services. The bank is a member of the Federal Deposit Insurance Corporation and an Equal Housing Lender. Central State Bank provides access to ATMs.