Clay County Savings Bank
Capital moved notably last quarter — CET1 ratio of 18.37% was up 464bps from the prior quarter. Asset quality shifted last quarter — NPLs rose to 0.89% from 0.07% in the prior period. Clay County Savings Bank is a locally rooted FDIC-insured community bank based in Liberty, MO, in the early years of the Federal Reserve System. The Q2 2025 balance sheet stands at $142M in assets, including $86M in loans. The bank reported a loss in the most recent quarter, with ROA at -1.10% and ROE at -10.65%. Capital is comfortably above regulatory minimums — CET1 ratio of 18.37% sits well above the 7% well-capitalized threshold. Asset quality is solid — 0.89% nonperforming loans and a 4.74% Texas Ratio. 3 branches make up the footprint.
Headquarters Profile
- Address
- 1178 W Kansas St, Liberty, MO 64068
- County
- Clay
- Metro Area
- KANSAS CITY, MO-KS
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- Fed District
- 11
- Established
- January 1, 1922
- Branches
- 3 domestic
- Employees (FTE)
- 26
- FDIC Cert
- 29764
- Fed RSSD
- 125873
Profitability
Capital & Liquidity
Inside the full Clay County Savings Bank terminal
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Clay County Savings Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
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Frequently asked about Clay County Savings Bank
What are Clay County Savings Bank's total assets?
As of the Q1 2026 filing, Clay County Savings Bank reported total assets of $141.6 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Clay County Savings Bank headquartered?
Clay County Savings Bank is headquartered in Liberty, MO, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Clay County Savings Bank founded?
Clay County Savings Bank was established in 1922, per the FDIC institution directory.
Is Clay County Savings Bank FDIC-insured?
Yes. Clay County Savings Bank is an FDIC-insured commercial bank (FDIC Certificate #29764). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Clay County Savings Bank?
Clay County Savings Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Clay County Savings Bank's CET1 capital ratio?
Clay County Savings Bank reported a Common Equity Tier 1 (CET1) capital ratio of 18.37% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Clay County Savings Bank operate?
Clay County Savings Bank operates 3 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Clay County Savings Bank's Texas Ratio?
Clay County Savings Bank's Texas Ratio is 4.74% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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