Clay County Bank, Inc.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Clay County Bank, Inc. of Clay, WV against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA Behind the peer average, ahead of the median peer. | 1.30% | 1.35% | -0.05% | 52nd above |
| ROAE | 9.43% | 12.06% | -2.63% | 33rd below |
| Net Interest Margin | 3.96% | 3.90% | +0.06% | 51st above |
| Efficiency Ratio Ahead of the peer average, behind the median peer. | 62.13% | 63.15% | -1.02% | 48th below |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.61% | 1.64% | -0.03% | 51st above |
| Yield on Earning Assets | 5.26% | 5.65% | -0.39% | 33rd below |
| Cost of Funds | 1.50% | 1.85% | -0.35% | 69th above |
| Net Interest Spread Behind the peer average, ahead of the median peer. | 3.32% | 3.35% | -0.03% | 50th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.14% | 0.92% | -0.78% | 69th above |
| NPA / Total Assets | 0.07% | 0.67% | -0.60% | 75th top |
| NCO / Avg Loans | 0.21% | 0.15% | +0.06% | 12th bottom |
| ACL / Total Loans | 1.74% | 1.28% | +0.46% | 88th top |
| ACL / NPLs (Coverage) | 1245.65% | 1645.31% | -399.66% | — |
| Texas Ratio | 0.90% | 7.15% | -6.25% | 74th above |
| Provision / NCO | 0.00% | 1189.92% | -1189.92% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 14.80% | 12.46% | +2.34% | 86th top |
| Equity / Assets | 13.98% | 11.67% | +2.31% | 84th top |
| TCE / Tangible Assets | 13.98% | 11.40% | +2.58% | 86th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 56.86% | 78.65% | -21.79% | 86th top |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.18% | 87.09% | +0.09% | 39th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.97% | 6.48% | -3.51% | 39th below |
| Loan Growth (Y/Y) | 1.04% | 7.64% | -6.60% | 27th below |
| Deposit Growth (Y/Y) | 2.68% | 6.02% | -3.34% | 40th below |
See Clay County Bank, Inc.'s peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Clay County Bank, Inc., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Clay County Bank, Inc. profile, how to read a UBPR, or how this data updates.