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Clay County Bank, Inc.

Clay, WV · Cert 2444 · First Clay County Banc Corp.

State charter, non-member · FDIC · 2 branches

Q2 2026

$135.9MAssets
$66.0MLoans
$116.2MDeposits
$19.0MEquity
Loan mix
71%RE $45.8M1%C&I $0.9M27%Consumer $17.6MQ2 2025Q2 2026
Deposit mix
78%Interest-bearing $90.9M22%Noninterest $25.2MQ2 2025Q2 2026

NIM

4.94%Q2 ’245.01%Q2 ’255.11%Q2 ’26-1%+8%

Non-interest income vs. expense

2.65%Q2 ’242.67%Q2 ’252.77%Q2 ’26+5%+3%

Market Position · Charleston, WV · 2026 SOD (annual) · 1.6% share · #11 of 14 inst. · $0.1B of $7.2B

Executive Summary

  • Earnings: ROA of 1.31%, up 18 bps year over year; NIM at 3.83%.
  • Asset quality: problem loans at 0.28% of loans (-13 bps YoY), with net charge-offs at 0.21%.
  • Capital: tier 1 leverage ratio of 14.80%, down 1 bps from a year ago.
  • Funding: loans stand at 56.86% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.31%+18 bps YoY

Net Interest Margin (quarter, annualized)

3.83%+27 bps YoY

Efficiency Ratio (quarter, annualized)

63.23%-230 bps YoY

Tier 1 Leverage Ratio

14.80%-1 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.13%1.14%0.91%1.21%1.31%+18 bps
Return on Equity8.22%8.24%6.62%8.81%9.43%+121 bps
Net Interest Margin3.56%3.60%3.70%3.72%3.83%+27 bps
Efficiency Ratio65.53%66.14%74.88%64.46%63.23%-230 bps
Non-Interest Burden2.15%2.19%2.64%2.20%2.22%+7 bps
Growth
Asset Growth (YoY)7.13%0.73%4.65%4.26%2.97%-415 bps
Loan Growth (YoY)3.65%-1.83%-1.76%0.22%1.04%-261 bps
Deposit Growth (YoY)6.66%-0.11%4.06%4.13%2.68%-398 bps
Asset Quality
Nonperforming Loans / Loans0.40%0.52%0.36%0.36%0.28%-13 bps
Net Charge-Offs / Loans0.02%0.28%-0.16%0.04%0.21%+19 bps
Allowance / Loans1.84%1.81%1.87%1.83%1.74%-10 bps
Allowance Coverage of NPLs4.6x3.5x5.2x5.1x6.3x+1.7x
Capital
Tier 1 Leverage Ratio14.81%14.61%14.38%14.74%14.80%-1 bps
Total Risk-Based Capital14.81%14.61%14.38%14.74%14.80%-1 bps
Equity / Assets13.74%13.89%13.64%13.76%13.98%+23 bps
Liquidity & Funding
Loans / Deposits57.78%55.81%54.49%55.79%56.86%-92 bps
Liquid Assets / Assets16.32%18.49%17.67%16.92%16.38%+6 bps
CRE / Total Capitaln/a17.35%16.88%17.06%n/an/a