Bank call report · Clay, WV
Clay County Bank, Inc. Call Report
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Clay County Bank, Inc. filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 212 reported line items, schedule by schedule (450 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 832528 |
| FDIC certificate number | 2444 |
| Total assets | $135.9M |
Official Q2 2026 call report PDF (FFIEC) →
Clay County Bank, Inc. call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (21 items)
About Schedule RC · Clay County Bank, Inc. balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $135.9M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $135.9M |
| Total Liabilities and Minority Interest | RCON2948 | $116.9M |
| Total Deposits | RCON2200 | $116.2M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $90.9M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $66.0M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $64.9M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $43.6M |
| Deposits: Noninterest-bearing | RCON6631 | $25.2M |
| Interest-bearing Balances | RCON0071 | $22.3M |
| Total Equity Capital | RCON3210 | $19.0M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $19.0M |
| Undivided Profits and Capital Reserves | RCON3632 | $18.7M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $2.9M |
| Other Assets | RCON2160 | $1.3M |
| Accumulated Other Comprehensive Income | RCONB530 | -$1.2M |
| Allowance for Loan and Lease Losses | RCON3123 | $1.1M |
| Surplus | RCON3839 | $1.0M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $987K |
| Other Liabilities, Total | RCON2930 | $759K |
| Common Stock | RCON3230 | $500K |
Schedule RI: Income Statement (32 items)
About Schedule RI · Clay County Bank, Inc. income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $3.4M |
| Net Interest Income | RIAD4074 | $2.6M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $2.2M |
| Total Noninterest Expense | RIAD4093 | $1.9M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $1.3M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $1.1M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $1.1M |
| Other Noninterest Expense | RIAD4092 | $932K |
| Total Interest Expense | RIAD4073 | $881K |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $850K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $850K |
| Net Income (Loss) | RIAD4340 | $850K |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $850K |
| Salaries and Employee Benefits | RIAD4135 | $828K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $626K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $528K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $431K |
| Total Noninterest Income | RIAD4079 | $373K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $241K |
| Other Noninterest Income | RIADB497 | $212K |
| Applicable Income Taxes | RIAD4302 | $210K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $204K |
| Interest on Other Securities | RIAD4060 | $204K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $129K |
| Expenses of Premises and Fixed Assets | RIAD4217 | $111K |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $75K |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $50K |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $38K |
| Noninterest income: Income from insurance activities | RIADHT74 | $32K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $8K |
| Savings Deposits (Including Mmdas) | RIAD0093 | $6K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 20 |
Schedule RC-B: Securities (25 items)
About Schedule RC-B · Clay County Bank, Inc. securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCONG314 | $957K |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCONG315 | $957K |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $45.1M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $26.8M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $26.2M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $23.9M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $16.0M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $15.2M |
| Pledged Securities | RCON0416 | $12.5M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $7.5M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $5.9M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $3.9M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $3.1M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $1.6M |
| Amortized Cost of Structured Notes | RCON8782 | $1.5M |
| Fair Value of Structured Notes | RCON8783 | $1.4M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing of Over Ffteen Years | RCONA554 | $1.4M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost | RCONHT56 | $1.3M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value | RCONHT57 | $1.2M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $1.0M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $957K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA558 | $204K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA556 | $9K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONA555 | $7K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA557 | $1K |
Schedule RC-C, Part I: Loans and Leases (24 items)
About Schedule RC-C, Part I · Clay County Bank, Inc. loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $66.0M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $43.7M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $42.9M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $22.7M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $12.3M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $9.8M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $8.9M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $8.6M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $6.5M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $6.1M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $3.9M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $2.9M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $2.1M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $2.0M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $2.0M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $1.3M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $945K |
| Commercial and Industrial Loans | RCON1766 | $864K |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $531K |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $300K |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $269K |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $227K |
| Real Estate Loans Secured by Farmland | RCON1420 | $84K |
| Other Loans | RCONJ464 | $30K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (3 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) | RCON5562 | 55 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) | RCON5563 | 11 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) | RCON5576 | 2 |
Schedule RC-E: Deposit Liabilities (23 items)
About Schedule RC-E · Clay County Bank, Inc. deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $79.5M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $74.2M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $38.0M |
| Total Transaction Accounts | RCON2215 | $36.6M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $28.8M |
| Total Demand Deposits (See Note Below) | RCON2210 | $25.2M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $23.7M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $21.9M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $19.9M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $19.1M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $18.4M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $14.9M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $14.5M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $13.5M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $9.0M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $8.5M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $7.9M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $5.5M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $5.4M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $2.1M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $597K |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK15 | $400K |
| Total Transaction Accounts - Deposits of U.S. Government | RCON2202 | $1K |
Schedule RC-F: Other Assets (4 items)
Schedule RC-G: Other Liabilities (3 items)
Schedule RC-K: Quarterly Averages (14 items)
About Schedule RC-K · Clay County Bank, Inc. quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $136.4M |
| Quarterly Average of Total Loans | RCON3360 | $65.4M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $43.3M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $40.9M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $27.3M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $23.5M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $23.5M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $18.0M |
| All Other Securities | RCONB560 | $16.4M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $14.5M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $11.3M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $3.2M |
| Mortgage-backed Securities | RCONB559 | $1.9M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $887K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (6 items)
About Schedule RC-L · Clay County Bank, Inc. derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $617K |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $504K |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $354K |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $250K |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $83K |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $15K |
Schedule RC-M: Memoranda (1 item)
About Schedule RC-M · Clay County Bank, Inc. memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $125K |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (9 items)
About Schedule RC-N · Clay County Bank, Inc. past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $937K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $792K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $92K |
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $92K |
| Total Loans and Lease Financing Receivables: Past Due 90 Days or More and Still Accruing | RCON1407 | $90K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 90 Days or More and Still Accruing | RCONC237 | $85K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 30 Through 89 Days and Still Accruing | RCONK213 | $74K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCONK216 | $71K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 90 Days or More and Still Accruing | RCONK214 | $5K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (12 items)
About Schedule RC-O · Clay County Bank, Inc. other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $136.4M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $116.3M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $77.0M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $25.9M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $20.0M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $8.9M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $4.6M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 6,257 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 283 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 45 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 11 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (18 items)
About Schedule RC-R, Part I · Clay County Bank, Inc. regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Total Assets (Net of Deductions) | RCOAA224 | $136.4M |
| Average total consolidated assets | RCOAKW03 | $136.4M |
| Total Assets | RCOA2170 | $135.9M |
| Common Equity Tier 1 Capital | RCOAP859 | $20.2M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $20.2M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $20.2M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $19.0M |
| Retained Earnings | RCOAKW00 | $18.7M |
| Total off-balance sheet exposures (sum of items 34.a through 34.c) Report as a dollar amount in Column A and as a percentage of total assets (25% limit) in Column B | RCOAKX82 | $1.8M |
| Off-balance sheet exposures: Unused portion of conditionally cancellable commitments | RCOAKX79 | $1.8M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $1.5M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$1.2M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$1.2M |
| Off-balance sheet exposures: Other off-balance sheet exposures | RCOAKX81 | $15K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Do you qualify for and opt-in to CBLR? | RCOALE74 | 1 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.148 |
| Total off-balance sheet exposures (sum of items 15a through 15.c) | RCOAKX83 | 0.0134 |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $19.0M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $18.5M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $18.5M |
| Other Comprehensive Income | RIADB511 | -$222K |
| Cash Dividends Declared on Common Stock | RIAD4460 | $151K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (9 items)
About Schedule RI-B, Part I · Clay County Bank, Inc. charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $88K |
| Charge-offs on Automobile Loans | RIADK129 | $56K |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $47K |
| Charge-offs on All Other Loans | RIAD4644 | $17K |
| Recoveries on Automobile Loans | RIADK133 | $17K |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $16K |
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $15K |
| Recoveries on All Other Loans | RIAD4628 | $13K |
| Recoveries on Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens | RIADC217 | $1K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (3 items)
About Schedule RI-B, Part II · Clay County Bank, Inc. changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $1.2M |
| Allowance for Loan and Lease Losses | RIAD3123 | $1.1M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $88K |
Clay County Bank, Inc. call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Clay County Bank, Inc. call report?
The Clay County Bank, Inc. call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does Clay County Bank, Inc. file?
Clay County Bank, Inc. files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Clay County Bank, Inc. call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Clay County Bank, Inc. has Federal Reserve RSSD ID 832528 and FDIC certificate number 2444. Either one finds its filings on the FFIEC Central Data Repository.
How often does Clay County Bank, Inc. file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
Clay County Bank, Inc. financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 2444) · FFIEC NIC profile (RSSD 832528)