CLAY COUNTY BANK, INC.

CLAY, WV | Small | Est. June 4, 1902, midnight | FDIC #2444 | RSSD #832528 | FDIC
Latest Report: 2025-12-31

CLAY COUNTY BANK, INC. is asn small FDIC-insured commercial bank headquartered in CLAY, WV, established in June 4, 1902, midnight. As of 2025-12-31, the bank reported total assets of $136M and total deposits of $117M. Profitability stands at 0.91% ROA and 6.62% ROE, with a net interest margin of 4.05%. The bank's CET1 capital ratio is 13.64%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.35% and a Texas Ratio of 1.13%. FDIC Certificate #2444. The institution operates 1 domestic branch.

Assets

$136M

Deposits

$117M

Loans

$64M

Equity

$19M

Profitability

Return on Assets (ROA) 0.91%
Return on Equity (ROE) 6.62%
Net Interest Margin (NIM) 4.05%
Yield on Assets 5.62%
Cost of Funds 1.68%

Asset Quality

NPL Ratio 0.35%
Net Charge-Off Ratio 0.04%
Texas Ratio 1.13%
NPA Ratio 0.16%
ACL / Loans 1.87%

Capital & Liquidity

CET1 Ratio 13.64%
Tier 1 Capital 13.64%
Total Capital Ratio 14.32%
Leverage Ratio 14.38%
Loan-to-Deposit 54.49%

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