Clay County Bank, Inc.
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Data as of · sourced from FFIEC call reports. How we update
Clay County Bank, Inc. is an FDIC-insured commercial bank headquartered in Clay, WV, established in 1902 (FDIC certificate 2444), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $135.9M, up 3.0% from Q2 2025, the 35th largest of 40 banks headquartered in West Virginia. It reports no CET1 ratio; its Tier 1 leverage ratio was 14.80% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 2444
- Headquarters
- Clay, WV
- Established
- 1902
- Total assets, Q2 2026
- $135.9M
- Assets vs Q2 2025
- +3.0%
- Tier 1 leverage ratio, Q2 2026
- 14.80%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 051502641
- Holding company
- FIRST CLAY COUNTY BANC CORPORATION
- Asset rank in state
- 35th of 40 in West Virginia
Clay County Bank, Inc., based in Clay, West Virginia, reported $136 million in assets at June 30, 2026, up 3.0% from a year earlier. It holds commercial real estate loans equal to only 12% of its capital, a small fraction of the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. It also funds 14.80% of its assets with Tier 1 capital, higher than about three-quarters of banks its size (median 10.99%).
Net income for the quarter rose 20% from a year earlier, to $442,000. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 0.28% of loans, down from 0.40% a year earlier.
As of June 30, 2026, Clay County Bank, Inc. reported a return on assets of 1.30%, a nonperforming-loan ratio of 0.28% and a Texas ratio of 0.90%. The figures come from its call report filed with the FFIEC.
Of the 40 banks headquartered in West Virginia, Clay County Bank, Inc. is the 35th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 1.0% to $135.9M, loans rose 2.6% and deposits rose 0.7%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 66.9% of total loans, ahead of other consumer loans at 14.9%. The FDIC Summary of Deposits lists 2 offices for it, in Clay, WV. By the capital ratios in its Q2 2026 call report, Clay County Bank, Inc. meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 150 Main St, Clay, WV 25043
- County
- Clay
- Metro Area
- Charleston, WV
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- June 4, 1902
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 20
- Domestic deposits
- $116.2M
- Allowance for credit losses
- $1.1M
- Net charge-offs (YTD)
- $41K
- Average total assets
- $136.4M
- Average total loans
- $65.4M
- Average interest-bearing deposits
- $90.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 2444
- Fed RSSD
- 832528
- Website
- www.claycounty.bank →
- Parent Holding Company
- FIRST CLAY COUNTY BANC CORPORATION (RSSD 1427211)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Clay County Bank, Inc. reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Clay County Bank, Inc.'s total assets ranged from $120.6M (Q3 2023) to $135.9M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$135.9M total assets against $132.0M; $116.9M total liabilities against $113.8M.
$64.9M net loans and leases against $64.2M; $116.2M total deposits against $113.1M.
$43.6M securities against $41.1M; $25.2M cash and balances due against $24.5M.
$1.7M total interest income against $1.7M; $436K total interest expense against $480K.
$1.3M net interest income against $1.2M.
$186K total noninterest income against $170K; $944K total noninterest expense against $882K.
$0 provision for credit losses against $0.
$442K net income against $369K.
1.30% return on assets against 1.12%; 3.96% net interest margin against 3.71%.
14.80% tier 1 leverage ratio against 14.81%.
Inside the full Clay County Bank, Inc. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeClay County Bank, Inc. rankings
Its closest position to the top of a national ranking is 1,756 of 3,611, for ROA; its furthest is 3,404 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.91% (Q4 2025) to 1.40% (Q4 2024) and its net interest margin ran from 3.52% (Q1 2025) to 3.96% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.80% | 1.30% | 0.28% | 0.90% | 3.96% |
| Q1 2026 | 14.74% | 1.21% | 0.36% | 1.17% | 3.86% |
| Q4 2025 | 14.38% | 0.91% | 0.36% | 1.15% | 3.84% |
| Q3 2025 | 14.61% | 1.13% | 0.52% | 1.69% | 3.78% |
| Q2 2025 | 14.81% | 1.12% | 0.40% | 1.36% | 3.71% |
| Q1 2025 | 14.95% | 1.05% | 0.50% | 1.70% | 3.52% |
| Q4 2024 | 14.39% | 1.40% | 0.23% | 0.81% | 3.63% |
| Q3 2024 | 14.77% | 1.33% | 0.23% | 0.81% | 3.85% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Clay County Bank, Inc. (main office) | Clay , WV | 25043 | $116.2M |
| Clay Branch | Clay , WV | 25043 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in WV, rank 50 of 65 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 106 applications, 82 loans originated, $7.9M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- Enforcement actions, SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Clay County Bank, Inc.
What are Clay County Bank, Inc.'s total assets?
As of the Q2 2026 filing, Clay County Bank, Inc. reported total assets of $135.9 million in its FFIEC call report.
Where is Clay County Bank, Inc. headquartered?
It is headquartered in Clay, WV, United States.
When was Clay County Bank, Inc. founded?
It was established in 1902, per the FDIC institution directory.
Is Clay County Bank, Inc. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #2444). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Clay County Bank, Inc.?
Clay County Bank, Inc.'s primary federal regulator is the FDIC.
How many branches does Clay County Bank, Inc. operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Clay County Bank, Inc.'s Texas Ratio?
Its Texas Ratio is 0.90% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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