Clay County Bank, Inc.
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
$135.9MAssets
$66.0MLoans
$116.2MDeposits
$19.0MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 81% of banks under $1B in assets operating in a single state (rank 142 of 746).
- Widest gap: net charge-offs / loans trails 89% of banks under $1B in assets operating in a single state (rank 659 of 743).
- Overall: at or above the peer median on 7 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $3.0M · efficiency ratio beats 52% of banks under $1B in assets operating in a single state | 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 |