Clay, WV · Cert 2444 · First Clay County Banc Corp.
State charter, non-member · FDIC · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
65
Asset Quality
36
Profitability
52
Liquidity
33
Efficiency
52
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Clay, WV · Cert 2444 · First Clay County Banc Corp.
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Charleston, WV · 2026 SOD (annual) · 1.6% share · #11 of 14 inst. · $0.1B of $7.2B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.26% | 1.31% | 1.04% | 1.09% | 1.10% | 1.05% | 1.21% | 1.26% | +17 bps | |
| Return on Equity | 9.60% | 9.93% | 7.74% | 7.99% | 8.08% | 7.72% | 8.81% | 9.10% | +111 bps | |
| Net Interest Margin | 3.60% | 3.50% | 3.43% | 3.45% | 3.47% | 3.50% | 3.72% | 3.75% | +30 bps | |
| Efficiency Ratio | 60.70% | 64.82% | 66.85% | 66.17% | 66.16% | 68.45% | 64.46% | 63.83% | -234 bps | |
| Non-Interest Burden | 1.97% | 2.07% | 2.12% | 2.11% | 2.12% | 2.23% | 2.20% | 2.20% | +9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.09% | 4.57% | 5.70% | 7.13% | 0.73% | 4.65% | 4.26% | 2.97% | -415 bps | |
| Loan Growth (YoY) | 5.70% | 5.42% | 3.91% | 3.65% | -1.83% | -1.76% | 0.22% | 1.04% | -261 bps | |
| Deposit Growth (YoY) | 9.06% | 4.34% | 5.29% | 6.66% | -0.11% | 4.06% | 4.13% | 2.68% | -398 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.23% | 0.23% | 0.50% | 0.40% | 0.52% | 0.36% | 0.36% | 0.28% | -13 bps | |
| Net Charge-Offs / Loans | 0.08% | 0.07% | 0.02% | 0.02% | 0.11% | 0.04% | 0.04% | 0.12% | +10 bps | |
| Allowance / Loans | 1.86% | 1.86% | 1.87% | 1.84% | 1.81% | 1.87% | 1.83% | 1.74% | -10 bps | |
| Allowance Coverage of NPLs | 8.0x | 8.1x | 3.7x | 4.6x | 3.5x | 5.2x | 5.1x | 6.3x | +1.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.77% | 14.39% | 14.95% | 14.81% | 14.61% | 14.38% | 14.74% | 14.80% | -1 bps | |
| Total Risk-Based Capital | 14.77% | 14.39% | 14.95% | 14.81% | 14.61% | 14.38% | 14.74% | 14.80% | -1 bps | |
| Equity / Assets | 13.19% | 13.23% | 13.78% | 13.74% | 13.89% | 13.64% | 13.76% | 13.98% | +23 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 56.79% | 57.72% | 57.97% | 57.78% | 55.81% | 54.49% | 55.79% | 56.86% | -92 bps | |
| Liquid Assets / Assets | 19.69% | 16.60% | 17.61% | 16.32% | 18.49% | 17.67% | 16.92% | 16.38% | +6 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 17.35% | 16.88% | 17.06% | n/a | n/a | |
Clay, WV · Cert 2444 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · First Clay County Banc Corp.
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets
1.25%
Rank 267 of 746
Net Interest Margin
3.75%
Rank 351 of 746
Efficiency Ratio
63.83%
Rank 356 of 746
Equity / Assets
13.98%
Rank 142 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.25% | 0.72% | 1.06% | 1.45% | Beats 64% | 267 / 746 | ||
| Return on Equity | 8.95% | 6.74% | 10.51% | 13.63% | Beats 40% | 449 / 746 | ||
| Net Interest Margin | 3.75% | 3.17% | 3.68% | 4.16% | Beats 53% | 351 / 746 | ||
| Efficiency Ratio | 63.83% | 55.74% | 64.58% | 75.47% | Beats 52% | 356 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.28% | 0.09% | 0.42% | 1.07% | Beats 60% | 295 / 743 | ||
| Net Charge-Offs / Loans | 0.13% | 0.00% | 0.01% | 0.05% | Beats 11% | 659 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.80% | 11.55% | 13.75% | 17.60% | Beats 59% | 303 / 746 | ||
| Total Risk-Based Capital Ratio | 14.80% | 11.71% | 14.33% | 18.43% | Beats 54% | 345 / 746 | ||
| Equity / Assets | 13.98% | 8.90% | 10.51% | 13.06% | Beats 81% | 142 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 56.86% | 61.31% | 78.27% | 90.78% | 19th pctl | 601 / 746 | ||
| Loans / Assets | 48.59% | 53.60% | 66.97% | 76.08% | 19th pctl | 605 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||