Clay County Bank, Inc.: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The biggest quarter-over-quarter change on this page was a small one: Net interest margin edged up 0.10 percentage points between Q1 2026 and Q2 2026, to 3.96%. Clay County Bank, Inc. ranks 20th of 41 West Virginia banks on net interest margin, in the upper half at 3.96% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin; Clay County Bank, Inc. reported 3.96% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.26% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.50% |
| Cost of interest-bearing deposits | 1.94% |
| Cost of interest-bearing liabilities | 1.94% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.96% |
| Yield to cost spread | 3.32% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.1M |
| Total interest expense | $436K |
| Interest expense on deposits | $436K |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin |
|---|---|---|---|
| Q3 2023 | 4.78% | 0.91% | 3.98% |
| Q4 2023 | 4.89% | 1.10% | 3.94% |
| Q1 2024 | 4.90% | 1.23% | 3.82% |
| Q2 2024 | 5.03% | 1.55% | 3.69% |
| Q3 2024 | 5.27% | 1.63% | 3.85% |
| Q4 2024 | 5.13% | 1.76% | 3.63% |
| Q1 2025 | 5.02% | 1.74% | 3.52% |
| Q2 2025 | 5.19% | 1.71% | 3.71% |
| Q3 2025 | 5.27% | 1.72% | 3.78% |
| Q4 2025 | 5.30% | 1.70% | 3.84% |
| Q1 2026 | 5.21% | 1.53% | 3.86% |
| Q2 2026 | 5.26% | 1.50% | 3.96% |
Clay County Bank, Inc. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Clay County Bank, Inc., freeSource: Call Report Schedules RI and RC-K, 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)