Clay County Bank, Inc.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Construction concentration (Tier 1 capital + allowance): 4.79 percentage points lower than in Q1 2026, at 2.49%. Within West Virginia, Clay County Bank, Inc. is 36th of 41 on loan-to-deposit ratio, 56.86% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Clay County Bank, Inc. sits 23.98 points lower, at 56.86% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $66.0M |
| Net loans and leases | $64.9M |
| Loans held for sale | $0 |
| Loans to total assets | 48.59% |
| Loan-to-deposit ratio | 56.86% |
| Net loans to equity capital | 3.42% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 2.99% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 1.31% |
| Consumer | 27.84% |
| Credit cards | 0.00% |
| Farm | 0.13% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 11.75% |
| Construction concentration (Tier 1 capital + allowance) | 2.49% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $1.1M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $61.6M | $105.2M | 2.91% | 2.23% | 29.53% |
| Q4 2023 | $61.4M | $107.5M | 3.00% | 2.13% | 29.46% |
| Q1 2024 | $61.8M | $105.2M | 3.12% | 2.55% | 29.63% |
| Q2 2024 | $63.1M | $106.1M | 3.01% | 2.14% | 29.88% |
| Q3 2024 | $65.2M | $114.7M | 3.71% | 1.39% | 30.23% |
| Q4 2024 | $64.7M | $112.1M | 3.65% | 1.02% | 29.57% |
| Q1 2025 | $64.2M | $110.8M | 3.52% | 1.16% | 29.08% |
| Q2 2025 | $65.4M | $113.1M | 3.55% | 1.42% | 29.21% |
| Q3 2025 | $64.0M | $114.6M | 3.35% | 0.94% | 28.18% |
| Q4 2025 | $63.6M | $116.7M | 3.15% | 0.72% | 27.14% |
| Q1 2026 | $64.4M | $115.4M | 2.88% | 1.36% | 27.40% |
| Q2 2026 | $66.0M | $116.2M | 2.99% | 1.31% | 27.84% |
Clay County Bank, Inc. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Clay County Bank, Inc., freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Clay County Bank, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2444) · FFIEC NIC profile (RSSD 832528)